Citizens National Bank of Crosbyton: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.46 percentage points higher than in Q1 2026, at 44.05%. Citizens National Bank of Crosbyton ranks 65th of 345 Texas banks on return on assets, in the upper half at 2.02% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Citizens National Bank of Crosbyton reported 2.02% on return on assets in Q2 2026, 1.04 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.81% |
| Equity capital to assets | 16.86% |
| Tangible equity to tangible assets | 16.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 12.07% |
| Net interest margin | 3.69% |
| Efficiency ratio | 39.18% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.05% |
| Core deposits to total deposits | 74.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.52% |
| Securities to assets | 5.99% |
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 | 15.71% | 2.65% | 3.76% | 0.00% | 0.00% |
| Q4 2023 | 15.64% | 2.90% | 4.61% | 0.00% | 0.20% |
| Q1 2024 | 16.52% | 3.02% | 4.34% | 0.00% | 0.00% |
| Q2 2024 | 17.35% | 2.86% | 4.06% | 0.00% | 0.05% |
| Q3 2024 | 18.21% | 3.64% | 4.72% | 0.00% | 0.00% |
| Q4 2024 | 17.49% | 1.95% | 3.92% | 0.00% | 0.00% |
| Q1 2025 | 17.54% | 2.36% | 3.52% | 0.00% | 0.00% |
| Q2 2025 | 16.79% | 2.02% | 3.61% | 0.00% | 0.12% |
| Q3 2025 | 17.06% | 2.59% | 3.71% | 0.00% | 0.00% |
| Q4 2025 | 16.75% | 1.51% | 3.71% | 0.00% | 0.00% |
| Q1 2026 | 16.73% | 2.27% | 3.52% | 0.00% | 0.00% |
| Q2 2026 | 16.81% | 2.02% | 3.69% | 0.00% | 0.00% |
Citizens National Bank of Crosbyton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Crosbyton, 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 of Crosbyton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3158) · FFIEC NIC profile (RSSD 901451)