City National Bank (Corsicana, TX)
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Data as of · sourced from FFIEC call reports. How we update
City National Bank is an FDIC-insured commercial bank headquartered in Corsicana, TX, established in 1983 (FDIC certificate 24367), and it is supervised by the OCC. At Q2 2026 it reported total assets of $62.0M, up 0.1% from Q2 2025, the 329th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 23.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24367
- Headquarters
- Corsicana, TX
- Established
- 1983
- Total assets, Q2 2026
- $62.0M
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 23.09%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111912197
- Latest call report
- Q2 2026, FFIEC 051 · City National Bank call report
- Holding company
- CITY BANCSHARES, INC.
- Asset rank in state
- 329th of 346 in Texas
Problem loans are rising at City National Bank. The Corsicana, Texas bank had $62 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.65% of loans from 0.00% a year earlier. It carries problem assets equal to 13.1% of the capital and reserves that would absorb them, 9.5 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also spends about 95 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
Earnings fell sharply: quarterly net income of $29,000 was 66% below a year earlier. The commercial and industrial book ($6.1 million) is worsening: 13.15% of it is past due or on nonaccrual, up from 3.87% a year earlier. Profitability lags: it returns 1.4% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, City National Bank reported a CET1 capital ratio of 23.09%, a return on assets of 0.19%, a nonperforming-loan ratio of 2.65% and a Texas ratio of 13.12%. The figures come from its call report filed with the FFIEC.
City National Bank ranks as the 329th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $62.0M, loans rose 4.7% and deposits fell 1.4%. 1-4 family residential loans made up 54.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 14.3%. Its one office in the FDIC Summary of Deposits is in Corsicana, TX. By the capital ratios in its Q2 2026 call report, City National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1465 W 2nd Ave, Corsicana, TX 75110
- County
- Navarro
- Metro Area
- Corsicana, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 28, 1983
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $52.5M
- Allowance for credit losses
- $586K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $62.7M
- Average total loans
- $42.8M
- Average interest-bearing deposits
- $33.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 28, 1983
- FDIC Cert
- 24367
- Fed RSSD
- 697950
- Website
- www.mycnbtx.com →
- Parent Holding Company
- CITY BANCSHARES, INC. (RSSD 3218543)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
City National Bank's total assets moved between a low of $61.9M (Q2 2025) and a high of $70.4M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$62.0M total assets against $61.9M; $53.9M total liabilities against $54.8M.
$42.3M net loans and leases against $41.2M; $52.5M total deposits against $53.2M.
$8.8M securities against $7.0M; $7.7M cash and balances due against $10.5M.
$767K total interest income against $750K; $171K total interest expense against $219K.
$596K net interest income against $531K.
$101K total noninterest income against $104K; $663K total noninterest expense against $549K.
$5K provision for credit losses against $0.
$29K net income against $86K.
0.19% return on assets against 0.54%; 3.77% net interest margin against 3.54%.
23.09% CET1 capital ratio against 21.89%; 13.54% tier 1 leverage ratio against 12.01%.
Inside the full City National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCity National Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.06% (Q3 2024) to 7.29% (Q4 2025) and its net interest margin ran from 3.07% (Q3 2024) to 4.10% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.09% | 0.19% | 2.65% | 13.12% | 3.77% |
| Q1 2026 | 23.15% | 0.53% | 0.27% | 1.29% | 3.88% |
| Q4 2025 | 23.89% | 7.29% | 0.05% | 0.23% | 4.10% |
| Q3 2025 | 21.45% | 0.77% | 0.08% | 0.44% | 3.75% |
| Q2 2025 | 21.89% | 0.54% | 0.00% | 0.00% | 3.54% |
| Q1 2025 | 20.30% | 0.42% | 0.00% | 0.00% | 3.31% |
| Q4 2024 | 19.27% | 0.49% | 0.00% | 0.00% | 3.17% |
| Q3 2024 | 19.36% | 0.06% | 0.00% | 0.00% | 3.07% |
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 |
|---|---|---|---|
| City National Bank (main office) | Corsicana , TX | 75110 | $52.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action April 23, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 409 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $102K approved, $102K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 City National Bank
What are City National Bank's total assets?
As of the Q2 2026 filing, City National Bank reported total assets of $62.0 million in its FFIEC call report.
Where is City National Bank headquartered?
It is headquartered in Corsicana, TX, United States.
When was City National Bank founded?
It was established in 1983, per the FDIC institution directory.
Is City National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City National Bank?
City National Bank's primary federal regulator is the OCC.
What is City National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City National Bank 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 City National Bank's Texas Ratio?
Its Texas Ratio is 13.12% 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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