Citizens National Bank at Brownwood
Operating from Brownwood, TX, Citizens National Bank at Brownwood serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Citizens National Bank at Brownwood reported $296M in total assets against $265M in deposits. Profitability is strong — 1.39% ROA, paired with 14.49% ROE and a 3.30% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.28% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 0.86% NPL ratio. It operates 2 branches, primarily in Texas.
Headquarters Profile
- Address
- 1 Carnegie St, BROWNWOOD, TX 76801
- County
- Brown
- Metro Area
- BROWNWOOD, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- September 28, 1934
- Branches
- 2 domestic
- Employees (FTE)
- 43
- FDIC Cert
- 14779
- Fed RSSD
- 233358
- Website
- www.cnb-brownwood.com →
- Parent Holding Company
- BROWNWOOD BANCSHARES, INC. (RSSD 1103373)
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Citizens National Bank at Brownwood rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Citizens National Bank at Brownwood
What are Citizens National Bank at Brownwood's total assets?
As of the Q1 2026 filing, Citizens National Bank at Brownwood reported total assets of $296.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank at Brownwood headquartered?
Citizens National Bank at Brownwood is headquartered in BROWNWOOD, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank at Brownwood founded?
Citizens National Bank at Brownwood was established in 1934, per the FDIC institution directory.
Is Citizens National Bank at Brownwood FDIC-insured?
Yes. Citizens National Bank at Brownwood is an FDIC-insured commercial bank (FDIC Certificate #14779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank at Brownwood?
Citizens National Bank at Brownwood's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens National Bank at Brownwood operate?
Citizens National Bank at Brownwood operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens National Bank at Brownwood's Texas Ratio?
Citizens National Bank at Brownwood's Texas Ratio is 5.02% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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