Citizens National Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens National Bank of Texas of Waxahachie, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.86% | 1.46% | +1.40% | 97th top |
| ROAE | 23.41% | 12.71% | +10.70% | 94th top |
| Net Interest Margin | 5.51% | 3.85% | +1.66% | 97th top |
| Efficiency Ratio | 43.12% | 57.42% | -14.30% | 89th top |
| PPNR / Avg Assets | 3.32% | 1.88% | +1.44% | 97th top |
| Yield on Earning Assets | 7.07% | 5.72% | +1.35% | 95th top |
| Cost of Funds | 1.44% | 2.02% | -0.58% | 82nd top |
| Net Interest Spread | 4.83% | 3.18% | +1.65% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.62% | 1.00% | -0.38% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.74% | 0.76% | -0.02% | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 30th below |
| ACL / Total Loans | 1.08% | 1.31% | -0.23% | 40th below |
| ACL / NPLs (Coverage) | 173.98% | 543.67% | -369.69% | 49th below |
| Texas Ratio | 11.30% | 7.39% | +3.91% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 212.00% | 619.01% | -407.01% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.55% | 17.34% | -3.79% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.55% | 17.37% | -3.82% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.75% | 18.42% | -3.67% | 52nd above |
| Leverage Ratio | 12.20% | 11.44% | +0.76% | 78th top |
| Equity / Assets | 12.01% | 11.33% | +0.68% | 75th top |
| TCE / Tangible Assets | 11.86% | 10.50% | +1.36% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.35% | 86.94% | +15.41% | 13th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.42% | 85.55% | +0.87% | 39th below |
| Uninsured Deposit Ratio | 25.74% | 33.13% | -7.39% | 69th above |
| Wholesale Funding Ratio | 1.05% | 5.71% | -4.66% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.94% | 9.68% | +1.26% | 79th top |
| Loan Growth (Y/Y) | 13.50% | 8.05% | +5.45% | 83rd top |
| Deposit Growth (Y/Y) | 9.87% | 7.87% | +2.00% | 75th top |
See Citizens National Bank of Texas's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens National Bank of Texas, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens National Bank of Texas profile, how to read a UBPR, or how this data updates.