Citizens National Bank at Brownwood
Also written as CNB
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Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank at Brownwood is an FDIC-insured commercial bank headquartered in Brownwood, TX, established in 1934 (FDIC certificate 14779), and it is supervised by the OCC. At Q2 2026 it reported total assets of $303.4M, up 4.3% from Q2 2025, the 212th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14779
- Headquarters
- Brownwood, TX
- Established
- 1934
- Total assets, Q2 2026
- $303.4M
- Assets vs Q2 2025
- +4.3%
- Tier 1 leverage ratio, Q2 2026
- 10.47%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111901580
- Latest call report
- Q2 2026, FFIEC 051 · Citizens National Bank at Brownwood call report
- Holding company
- BROWNWOOD BANCSHARES, INC.
- Asset rank in state
- 212th of 346 in Texas
Citizens National Bank at Brownwood, based in Brownwood, Texas, reported $303 million in assets at June 30, 2026, up 4.3% from a year earlier. It pays an average of 1.11% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 1.8% over the year, lower than about three-quarters of banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 1.8% and deposits rose 4.2%. Its $22 million commercial and industrial book is improving, with 0.30% past due or on nonaccrual, down from 0.87% a year earlier.
As of June 30, 2026, Citizens National Bank at Brownwood reported a return on assets of 1.57%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 3.40%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Citizens National Bank at Brownwood is the 212th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $303.4M, loans fell 0.6% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.9% of total loans, ahead of commercial and industrial loans at 19.9%. Its 2 offices in the FDIC Summary of Deposits are in Brownwood, TX. On its Q2 2026 call report, Citizens National Bank at Brownwood meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 28, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $272.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $298.6M
- Average total loans
- $113.3M
- Average interest-bearing deposits
- $171.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 28, 1934
- FDIC Cert
- 14779
- Fed RSSD
- 233358
- Website
- www.cnb-brownwood.com →
- Parent Holding Company
- BROWNWOOD BANCSHARES, INC. (RSSD 1103373)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens National Bank at Brownwood reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens National Bank at Brownwood's total assets ranged from $273.1M (Q3 2023) to $306.1M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$303.4M total assets against $290.8M; $274.6M total liabilities against $263.5M.
$108.7M net loans and leases against $110.8M; $272.4M total deposits against $261.4M.
$133.4M securities against $111.5M; $46.9M cash and balances due against $54.5M.
$3.2M total interest income against $3.0M; $746K total interest expense against $863K.
$2.5M net interest income against $2.1M.
$416K total noninterest income against $794K; $1.7M total noninterest expense against $1.7M.
$24K provision for credit losses against $24K.
$1.2M net income against $1.2M.
1.57% return on assets against 1.65%; 3.54% net interest margin against 3.09%.
10.47% tier 1 leverage ratio against 10.62%.
Inside the full Citizens National Bank at Brownwood terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens National Bank at Brownwood rankings
Its closest position to the top of a national ranking is 1,170 of 3,611, for ROA; its furthest is 2,442 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 1.79% (Q3 2025) and its net interest margin ran from 2.47% (Q3 2024) to 3.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.47% | 1.57% | 0.74% | 3.40% | 3.54% |
| Q1 2026 | 10.28% | 1.39% | 1.39% | 5.02% | 3.30% |
| Q4 2025 | 10.33% | 1.14% | 1.14% | 3.79% | 3.28% |
| Q3 2025 | 10.54% | 1.79% | 0.52% | 1.87% | 3.22% |
| Q2 2025 | 10.62% | 1.65% | 0.73% | 2.81% | 3.09% |
| Q1 2025 | 10.42% | 1.41% | 0.78% | 3.12% | 2.97% |
| Q4 2024 | 10.62% | 0.89% | 0.80% | 3.24% | 2.80% |
| Q3 2024 | 10.21% | 0.74% | 0.68% | 2.81% | 2.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens National Bank at Brownwood (main office) | Brownwood , TX | 76801 | $259.1M |
| Brownwood Branch | Brownwood , TX | 76801 | $13.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 253 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Citizens National Bank at Brownwood reported total assets of $303.4 million in its FFIEC call report.
Where is Citizens National Bank at Brownwood headquartered?
It is headquartered in Brownwood, TX, United States.
When was Citizens National Bank at Brownwood founded?
It was established in 1934, per the FDIC institution directory.
Is Citizens National Bank at Brownwood FDIC-insured?
Yes. It 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.
How many branches does Citizens National Bank at Brownwood operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank at Brownwood's Texas Ratio?
Its Texas Ratio is 3.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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