The City National Bank of Sulphur Springs
The City National Bank of Sulphur Springs is an FDIC-insured commercial bank headquartered in Sulphur Springs, TX, supervised by the OCC, with $1.37B in total assets at Q2 2026, up 3.4% from Q2 2025, the 72nd largest of 346 banks headquartered in Texas. It was established in 1889 and holds FDIC certificate 5544. Its CET1 capital ratio was 13.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as CNB of Sulphur Springs
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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
- 5544
- Headquarters
- Sulphur Springs, TX
- Established
- 1889
- Total assets, Q2 2026
- $1.37B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 13.75%
- Domestic offices
- 17 · The City National Bank of Sulphur Springs branches FDIC institution directory, current count
- Routing number
- 111901946
- Safety and soundness
- Is The City National Bank of Sulphur Springs safe?
- Latest call report
- Q2 2026, FFIEC 051 · The City National Bank of Sulphur Springs Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- SULPHUR SPRINGS BANCSHARES, INC.
- Asset rank in state
- 72nd of 346 in Texas
The City National Bank of Sulphur Springs is one of the more profitable banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, up 3.4% from a year earlier; it is based in Sulphur Springs, Texas. It earns about $2.22 a year on every $100 of assets, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 4.82 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Its $139 million non-owner-occupied commercial real estate book is improving, with 0.24% past due or on nonaccrual, down from 6.10% a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 0.83%.
As of June 30, 2026, The City National Bank of Sulphur Springs reported a CET1 capital ratio of 13.75%, a return on assets of 2.22%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.09%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The City National Bank of Sulphur Springs is the 72nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $1.37B, loans rose 1.8% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.4%. The FDIC Summary of Deposits lists 17 offices for it, in 15 cities in TX; its Sulphur Springs 2 offices book 30% of its branch deposits. On its Q2 2026 call report, The City National Bank of Sulphur Springs meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Connally St, Sulphur Springs, TX 75482
- County
- Hopkins
- Metro Area
- Sulphur Springs, 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 250
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $14.2M
- Net charge-offs (YTD)
- -$428K
- Average total assets
- $1.38B
- Average total loans
- $947.7M
- Average interest-bearing deposits
- $829.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5544
- Fed RSSD
- 596062
- Website
- www.bankatcnb.bank →
- Parent Holding Company
- SULPHUR SPRINGS BANCSHARES, INC. (RSSD 1131666)
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. 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The City National Bank of Sulphur Springs's total assets ranged from $1.23B (Q4 2023) to $1.37B (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
$1.37B total assets against $1.33B; $1.24B total liabilities against $1.21B.
$947.3M net loans and leases against $891.8M; $1.23B total deposits against $1.20B.
$272.9M securities against $271.5M; $81.3M cash and balances due against $91.3M.
$20.1M total interest income against $18.4M; $4.5M total interest expense against $4.7M.
$15.6M net interest income against $13.7M.
$3.2M total noninterest income against $2.8M; $10.5M total noninterest expense against $9.8M.
$0 provision for credit losses against $495K.
$7.7M net income against $6.1M.
2.22% return on assets against 1.84%; 4.82% net interest margin against 4.40%.
13.75% CET1 capital ratio against 14.32%; 9.78% tier 1 leverage ratio against 9.68%.
Inside the full The City National Bank of Sulphur Springs terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe City National Bank of Sulphur Springs rankings
Its closest position to the top of a national ranking is 295 of 3,611, for ROA; its furthest is 2,638 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.42% (Q4 2024) to 2.32% (Q1 2026) and its net interest margin ran from 4.08% (Q3 2024) to 4.82% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.75% | 2.22% | 0.15% | 1.09% | 4.82% |
| Q1 2026 | 14.09% | 2.32% | 0.11% | 0.76% | 4.66% |
| Q4 2025 | 14.32% | 1.99% | 0.64% | 4.39% | 4.67% |
| Q3 2025 | 14.36% | 2.24% | 0.79% | 5.61% | 4.54% |
| Q2 2025 | 14.32% | 1.84% | 0.83% | 6.19% | 4.40% |
| Q1 2025 | 14.02% | 1.70% | 0.89% | 6.86% | 4.21% |
| Q4 2024 | 13.63% | 1.42% | 0.89% | 7.27% | 4.14% |
| Q3 2024 | 13.61% | 1.82% | 0.99% | 7.73% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 Sulphur Springs | Sulphur Springs , TX | 75482 | $246.6M |
| Mockingbird Lane Branch | Sulphur Springs , TX | 75482 | $127.5M |
| Wills Point Br | Wills Point , TX | 75169 | $126.8M |
| Canton Branch | Canton , TX | 75103 | $123.1M |
| Winnsboro Branch | Winnsboro , TX | 75494 | $107.8M |
| Mineola Branch | Mineola , TX | 75773 | $79.9M |
| Yantis Branch | Yantis , TX | 75497 | $70.7M |
| Quitman Branch | Quitman , TX | 75783 | $58.3M |
| Naples Branch | Naples , TX | 75568 | $42.7M |
| Emory Branch | Emory , TX | 75440 | $41.8M |
| Holly Lake Branch | Hawkins , TX | 75765 | $41.0M |
| Hawkins Office | Hawkins , TX | 75765 | $40.2M |
| Pittsburg Branch | Pittsburg , TX | 75686 | $33.2M |
| Cass County Bank | Queen City , TX | 75572 | $33.0M |
| Grand Saline Branch | Grand Saline , TX | 75140 | $30.8M |
| Gladewater Branch | Gladewater , TX | 75647 | $23.9M |
| Atlanta Branch | Atlanta , TX | 75551 | $3.6M |
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 |
|---|---|---|---|
| January 30, 2021 | Structure Change | Acquired The Morris County National Bank of Naples Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Structure Change | Acquired Citizens National Bank of Wills Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2011 | Structure Change | Acquired The First National Bank of Mineola Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2004 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1999 | Structure Change | Acquired First National Bank of Sulphur Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 94 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 439 applications, 343 loans originated, $99.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Sulphur Springs
What are The City National Bank of Sulphur Springs's total assets?
As of the Q2 2026 filing, The City National Bank of Sulphur Springs reported total assets of $1.37 billion in its FFIEC call report.
Where is The City National Bank of Sulphur Springs headquartered?
It is headquartered in Sulphur Springs, TX, United States.
When was The City National Bank of Sulphur Springs founded?
It was established in 1889, per the FDIC institution directory.
Is The City National Bank of Sulphur Springs FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5544). 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 Sulphur Springs?
The City National Bank of Sulphur Springs's primary federal regulator is the OCC.
What is The City National Bank of Sulphur Springs's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The City National Bank of Sulphur Springs operate?
It operates 17 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 Sulphur Springs's Texas Ratio?
Its Texas Ratio is 1.09% 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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