The Citizens National Bank of Bluffton

The Citizens National Bank of Bluffton is one of the more profitable banks of its size. It reported $1.1 billion in assets at September 30, 2026, up 2.7% from a year earlier. It earns about $2.59 a year on every $100 of assets, about double the median of $1.32 for the 887 banks with $1 billion to $10 billion in assets. It also keeps 4.46 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.80 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.

Its $238 million non-owner-occupied commercial real estate book is now fully current, after 1.52% of it was past due or on nonaccrual a year earlier. Unrealized losses on its securities total $24 million, equal to 20% of Tier 1 capital, against 14% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.67% of loans from 0.43% a year earlier.

As of September 30, 2026, The Citizens National Bank of Bluffton reported a return on assets of 2.59%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 5.38%. The figures come from its call report filed with the FFIEC.