Citizens National Bank of Texas: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank of Texas reported a efficiency ratio of 43.12% as of Q2 2026, ranking #333 of 3,644 U.S. banks (91st percentile). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.
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What is the Efficiency Ratio?
The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?
Most US community banks report efficiency ratios between 55% and 70%. Below 55% is excellent. Above 75% suggests structural expense issues: possibly over-branched, over-staffed, or sub-scale relative to revenue.
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What is Citizens National Bank of Texas's Efficiency Ratio?
Citizens National Bank of Texas's Efficiency Ratio was 43.12% as of Q2 2026, ranking #333 of 3,644 U.S. banks.
What is the Efficiency Ratio?
The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?
More Citizens National Bank of Texas metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Citizens National Bank of Texas profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 5574) · FFIEC NIC profile (RSSD 552161)