Citizens National Bank at Brownwood: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 122.69 percentage points in Q2 2026, from 197.18% to 319.87%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens National Bank at Brownwood is 159th of 345 on return on assets, 1.57% as of Q2 2026, above the middle of the field. Citizens National Bank at Brownwood reported 1.57% on return on assets for Q2 2026, 0.31 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.47% |
| Equity capital to assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 3.49% |
| Allowance for credit losses to loans | 1.73% |
| Reserve coverage of non-performing loans | 319.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 16.22% |
| Net interest margin | 3.54% |
| Efficiency ratio | 58.64% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.60% |
| Core deposits to total deposits | 91.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.79% |
| Securities to assets | 43.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.68% | 0.74% | 2.57% | 0.16% | 0.06% |
| Q4 2023 | 10.59% | 0.64% | 2.62% | 0.30% | 0.06% |
| Q1 2024 | 10.19% | 0.65% | 2.46% | 0.31% | -0.01% |
| Q2 2024 | 10.32% | 0.62% | 2.46% | 0.30% | 0.00% |
| Q3 2024 | 10.21% | 0.74% | 2.47% | 0.27% | -0.01% |
| Q4 2024 | 10.62% | 0.89% | 2.80% | 0.28% | 0.07% |
| Q1 2025 | 10.42% | 1.41% | 2.97% | 0.07% | 0.15% |
| Q2 2025 | 10.62% | 1.65% | 3.09% | 0.08% | 0.20% |
| Q3 2025 | 10.54% | 1.79% | 3.22% | 0.32% | 0.03% |
| Q4 2025 | 10.33% | 1.14% | 3.28% | 0.79% | -0.01% |
| Q1 2026 | 10.28% | 1.39% | 3.30% | 0.86% | 0.14% |
| Q2 2026 | 10.47% | 1.57% | 3.54% | 0.54% | -0.02% |
Citizens National Bank at Brownwood vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank at Brownwood, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens National Bank at Brownwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14779) · FFIEC NIC profile (RSSD 233358)