The City National Bank of San Saba
Also written as CNB of San Saba
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Data as of · sourced from FFIEC call reports. How we update
The City National Bank of San Saba is an FDIC-insured commercial bank headquartered in San Saba, TX, supervised by the OCC, with $80.0M in total assets at Q2 2026, down 6.0% from Q2 2025, the 318th largest of 346 banks headquartered in Texas. It was established in 1883 and holds FDIC certificate 5518. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5518
- Headquarters
- San Saba, TX
- Established
- 1883
- Total assets, Q2 2026
- $80.0M
- Assets vs Q2 2025
- -6.0%
- Tier 1 leverage ratio, Q2 2026
- 12.02%
- Domestic offices
- 1 · The City National Bank of San Saba branches FDIC institution directory, current count
- Routing number
- 111904231
- Safety and soundness
- Is The City National Bank of San Saba safe?
- Latest call report
- Q2 2026, FFIEC 051 · The City National Bank of San Saba call report
- Holding company
- CNB NATIONAL FINANCIAL CORPORATION
- Asset rank in state
- 318th of 346 in Texas
The City National Bank of San Saba, based in San Saba, Texas, reported $80 million in assets at June 30, 2026, down 6.0% from a year earlier. It keeps 2.33 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
Net income for the quarter rose 26% from a year earlier, to $174,000. Over the same year, loans shrank 14.8% and deposits shrank 7.1%.
As of June 30, 2026, The City National Bank of San Saba reported a return on assets of 0.86%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The City National Bank of San Saba is the 318th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.2% to $80.0M, loans fell 4.1% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was other consumer loans, at 22.2% of total loans, ahead of commercial and industrial loans at 20.1%. The FDIC Summary of Deposits lists a single office for it, in San Saba, TX. By the capital ratios in its Q2 2026 call report, The City National Bank of San Saba meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 209 E Brown St, San Saba, TX 76877
- County
- San Saba
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $70.5M
- Allowance for credit losses
- $305K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $81.3M
- Average total loans
- $7.5M
- Average interest-bearing deposits
- $46.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5518
- Fed RSSD
- 714165
- Website
- www.cnbss.com →
- Parent Holding Company
- CNB NATIONAL FINANCIAL CORPORATION (RSSD 1110205)
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. 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 San Saba reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The City National Bank of San Saba's total assets ran between $80.0M (Q2 2026) and $96.9M (Q1 2024), 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
$80.0M total assets against $85.1M; $70.5M total liabilities against $75.9M.
$7.5M net loans and leases against $8.9M; $70.5M total deposits against $75.9M.
$58.5M securities against $58.0M; $10.8M cash and balances due against $15.1M.
$661K total interest income against $668K; $233K total interest expense against $240K.
$428K net interest income against $428K.
$97K total noninterest income against $91K; $348K total noninterest expense against $378K.
$3K provision for credit losses against $3K.
$174K net income against $138K.
0.86% return on assets against 0.63%; 2.33% net interest margin against 2.20%.
12.02% tier 1 leverage ratio against 11.68%.
Inside the full The City National Bank of San Saba terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe City National Bank of San Saba rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.06% (Q4 2025) to 1.52% (Q3 2025) and its net interest margin ran from 1.72% (Q4 2025) to 3.12% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 0.86% | 0.00% | 0.00% | 2.33% |
| Q1 2026 | 12.58% | 0.85% | 0.00% | 0.00% | 2.38% |
| Q4 2025 | 12.75% | -0.06% | 0.00% | 0.00% | 1.72% |
| Q3 2025 | 12.56% | 1.52% | 0.00% | 0.00% | 3.12% |
| Q2 2025 | 11.68% | 0.63% | 0.00% | 0.00% | 2.20% |
| Q1 2025 | 11.77% | 0.59% | 0.00% | 0.00% | 2.19% |
| Q4 2024 | 11.83% | 0.29% | 0.00% | 0.00% | 1.83% |
| Q3 2024 | 11.40% | 0.66% | 0.00% | 0.00% | 2.38% |
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 |
|---|---|---|---|
| The City National Bank of San Saba | San Saba , TX | 76877 | $70.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 394 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 San Saba
What are The City National Bank of San Saba's total assets?
As of the Q2 2026 filing, The City National Bank of San Saba reported total assets of $80.0 million in its FFIEC call report.
Where is The City National Bank of San Saba headquartered?
It is headquartered in San Saba, TX, United States.
When was The City National Bank of San Saba founded?
It was established in 1883, per the FDIC institution directory.
Is The City National Bank of San Saba FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5518). 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 San Saba?
The City National Bank of San Saba's primary federal regulator is the OCC.
How many branches does The City National Bank of San Saba 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 The City National Bank of San Saba's Texas Ratio?
Its Texas Ratio is 0.00% 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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