Citizens National Bank of Crosbyton
Also written as CNB of Crosbyton
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Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank of Crosbyton is an FDIC-insured commercial bank headquartered in Crosbyton, TX, established in 1907 (FDIC certificate 3158), and it is supervised by the OCC. At Q2 2026 it reported total assets of $77.6M, up 5.9% from Q2 2025, the 323rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.81% 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
- 3158
- Headquarters
- Crosbyton, TX
- Established
- 1907
- Total assets, Q2 2026
- $77.6M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 16.81%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111313631
- Latest call report
- Q2 2026, FFIEC 051 · Citizens National Bank of Crosbyton Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- CITIZENS BANCSHARES, INC.
- Asset rank in state
- 323rd of 346 in Texas
Citizens National Bank of Crosbyton runs leaner than most banks of its size. Based in Crosbyton, Texas, it had $78 million in assets at June 30, 2026, up 5.9% from a year earlier. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 69 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
Loans are outrunning deposits: over the year loans rose 37.9% and deposits rose 5.9%.
As of June 30, 2026, Citizens National Bank of Crosbyton reported a return on assets of 2.02%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens National Bank of Crosbyton is the 323rd largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $77.6M, loans rose 19.9% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 32.9% of total loans, ahead of farmland and other real estate loans at 27.0%. Its one office in the FDIC Summary of Deposits is in Crosbyton, TX. Judged on its Q2 2026 call report, Citizens National Bank of Crosbyton meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 W Main St, Crosbyton, TX 79322
- County
- Crosby
- Metro Area
- Lubbock, 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $64.0M
- Allowance for credit losses
- $300K
- Net charge-offs (YTD)
- $0
- Average total assets
- $77.9M
- Average total loans
- $26.4M
- Average interest-bearing deposits
- $47.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3158
- Fed RSSD
- 901451
- Website
- www.cnbcrosbyton.com →
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 1102161)
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 of Crosbyton 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 of Crosbyton's total assets ranged from $64.9M (Q2 2024) to $77.9M (Q1 2026), 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
$77.6M total assets against $73.3M; $64.5M total liabilities against $61.0M.
$27.9M net loans and leases against $20.2M; $64.0M total deposits against $60.5M.
$4.7M securities against $3.7M; $44.4M cash and balances due against $48.7M.
$1.0M total interest income against $949K; $315K total interest expense against $342K.
$692K net interest income against $607K.
$38K total noninterest income against $61K; $286K total noninterest expense against $276K.
$50K provision for credit losses against $20K.
$394K net income against $372K.
2.02% return on assets against 2.02%; 3.69% net interest margin against 3.61%.
16.81% tier 1 leverage ratio against 16.79%.
Inside the full Citizens National Bank of Crosbyton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.51% (Q4 2025) to 3.64% (Q3 2024) and its net interest margin ran from 3.52% (Q1 2025) to 4.72% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.81% | 2.02% | 0.00% | 0.00% | 3.69% |
| Q1 2026 | 16.73% | 2.27% | 0.00% | 0.00% | 3.52% |
| Q4 2025 | 16.75% | 1.51% | 0.00% | 0.00% | 3.71% |
| Q3 2025 | 17.06% | 2.59% | 0.00% | 0.00% | 3.71% |
| Q2 2025 | 16.79% | 2.02% | 0.00% | 0.00% | 3.61% |
| Q1 2025 | 17.54% | 2.36% | 0.00% | 0.00% | 3.52% |
| Q4 2024 | 17.49% | 1.95% | 0.00% | 0.00% | 3.92% |
| Q3 2024 | 18.21% | 3.64% | 0.00% | 0.00% | 4.72% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 of Crosbyton (main office) | Crosbyton , TX | 79322 | $64.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 401 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Crosbyton
What are Citizens National Bank of Crosbyton's total assets?
As of the Q2 2026 filing, Citizens National Bank of Crosbyton reported total assets of $77.6 million in its FFIEC call report.
Where is Citizens National Bank of Crosbyton headquartered?
It is headquartered in Crosbyton, TX, United States.
When was Citizens National Bank of Crosbyton founded?
It was established in 1907, per the FDIC institution directory.
Is Citizens National Bank of Crosbyton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3158). 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 of Crosbyton?
Citizens National Bank of Crosbyton's primary federal regulator is the OCC.
How many branches does Citizens National Bank of Crosbyton operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank of Crosbyton's Texas Ratio?
Its Texas Ratio is 0.00% 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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