Citizens National Bank of Texas

Problem loans are rising at Citizens National Bank of Texas. Its balance sheet stood at $2.2 billion at June 30, 2026, up 10.9% from a year earlier; it is based in Waxahachie, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.42% of loans from 0.99% a year earlier. It earns about $2.86 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 5.51 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).

Delinquency has appeared in its $268 million non-owner-occupied commercial real estate book: 5.29% of those loans are past due or on nonaccrual, against almost none a year earlier. The commercial and industrial book ($199 million) is worsening: 3.08% of it is past due or on nonaccrual, up from 0.66% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.

As of June 30, 2026, Citizens National Bank of Texas reported a CET1 capital ratio of 13.55%, a return on assets of 2.86%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 11.30%. The figures come from its call report filed with the FFIEC.