The City National Bank of Colorado City
The City National Bank of Colorado City is an FDIC-insured commercial bank headquartered in Colorado City, TX, supervised by the OCC, with $452.4M in total assets at Q2 2026, up 54.9% from Q2 2025, the 169th largest of 346 banks headquartered in Texas. Its FDIC certificate number is 3144. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.97% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as CNB of Colorado City
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3144
- Headquarters
- Colorado City, TX
- Established
- Not reported
- Total assets, Q2 2026
- $452.4M
- Assets vs Q2 2025
- +54.9%
- Tier 1 leverage ratio, Q2 2026
- 10.97%
- Domestic offices
- 4 · The City National Bank of Colorado City branches FDIC institution directory, current count
- Routing number
- 111304637
- Safety and soundness
- Is The City National Bank of Colorado City safe?
- Latest call report
- Q2 2026, FFIEC 051 · The City National Bank of Colorado City call report
- Holding company
- CITY NATIONAL BANCSHARES, INC.
- Asset rank in state
- 169th of 346 in Texas
The City National Bank of Colorado City is growing quickly. The Colorado City, Texas bank had $452 million in assets at June 30, 2026, up 54.9% from a year earlier. It grew its loan book 40.7% over the year, 7.4 times the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.5 million, 82% above the same quarter a year earlier. Over the same year, loans grew 40.7% and deposits grew 58.8%.
As of June 30, 2026, The City National Bank of Colorado City reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.70%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The City National Bank of Colorado City is the 169th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $452.4M, loans fell 0.3% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.4% of total loans, ahead of construction and land development loans at 13.9%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Colorado City office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, The City National Bank of Colorado City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 228 Elm St, Colorado City, TX 79512
- County
- Mitchell
- 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
- Former names
- The City National Bank of Colorado City (1940)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $396.0M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $449.7M
- Average total loans
- $295.6M
- Average interest-bearing deposits
- $337.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3144
- Fed RSSD
- 799854
- Website
- www.txcnb.bank →
- Parent Holding Company
- CITY NATIONAL BANCSHARES, INC. (RSSD 2215451)
Profitability
Q2 annualizedBalance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The City National Bank of Colorado City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The City National Bank of Colorado City's total assets ranged from $271.3M (Q3 2023) to $452.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$452.4M total assets against $292.1M; $397.0M total liabilities against $260.1M.
$291.0M net loans and leases against $206.9M; $396.0M total deposits against $249.4M.
$36.9M securities against $308K; $98.8M cash and balances due against $76.4M.
$6.8M total interest income against $4.9M; $2.5M total interest expense against $2.2M.
$4.3M net interest income against $2.7M.
$470K total noninterest income against $289K; $2.8M total noninterest expense against $1.9M.
$135K provision for credit losses against $105K.
$1.5M net income against $799K.
1.29% return on assets against 1.07%; 4.28% net interest margin against 3.72%.
10.97% tier 1 leverage ratio against 10.72%.
Inside the full The City National Bank of Colorado City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe City National Bank of Colorado City rankings
Its closest position to the top of a national ranking is 1,137 of 3,606, for efficiency ratio; its furthest is 2,385 of 3,640, for Texas Ratio.
Banks merged into The City National Bank of Colorado City
- Citizens Bank, National Association, effective September 2, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.11% (Q3 2025) to 1.38% (Q4 2025) and its net interest margin ran from 3.43% (Q4 2024) to 4.31% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 1.29% | 0.26% | 1.70% | 4.28% |
| Q1 2026 | 10.73% | 1.19% | 0.28% | 1.86% | 4.31% |
| Q4 2025 | 11.26% | 1.38% | 0.29% | 1.90% | 4.10% |
| Q3 2025 | 11.10% | 0.11% | 0.31% | 1.93% | 3.89% |
| Q2 2025 | 10.72% | 1.07% | 0.20% | 1.34% | 3.72% |
| Q1 2025 | 10.56% | 0.78% | 0.47% | 2.86% | 3.51% |
| Q4 2024 | 10.66% | 0.99% | 0.30% | 1.81% | 3.43% |
| Q3 2024 | 10.75% | 1.21% | 0.34% | 2.00% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 |
|---|---|---|---|
| The City National Bank of Colorado City | Colorado City , TX | 79512 | $190.9M |
| San Angelo-Sherwood Way Branch | San Angelo , TX | 76901 | $90.5M |
| City National Bank Abilene Branch | Abilene , TX | 79602 | $66.8M |
| Knox City Branch | Knox City , TX | 79529 | $47.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 2, 2025 | M&A | Acquired Citizens Bank, National Association merger for the acquired bank | SEC |
| September 2, 2025 | Structure Change | Acquired Citizens Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 31, 2021, OCC: Formal Agreement: The City National Bank of Colorado City
- Period: Most recent institution action March 31, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 207 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $107K approved, $107K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 The City National Bank of Colorado City
What are The City National Bank of Colorado City's total assets?
As of the Q2 2026 filing, The City National Bank of Colorado City reported total assets of $452.4 million in its FFIEC call report.
Where is The City National Bank of Colorado City headquartered?
It is headquartered in Colorado City, TX, United States.
Is The City National Bank of Colorado City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3144). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The City National Bank of Colorado City?
The City National Bank of Colorado City's primary federal regulator is the OCC.
How many branches does The City National Bank of Colorado City operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The City National Bank of Colorado City's Texas Ratio?
Its Texas Ratio is 1.70% 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.
What was The City National Bank of Colorado City previously called?
The charter now named The City National Bank of Colorado City has also operated as The City National Bank of Colorado City (1940), per FDIC structure-change records.
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