City National Bank of Sulphur Springs, the
Asset quality shifted last quarter — NPLs fell to 0.09% from 0.71% in the prior period. City National Bank of Sulphur Springs, the is a community bank chartered in 1889, based in Sulphur Springs, TX. City National Bank of Sulphur Springs, the's Q1 2026 balance sheet shows $1.4B in assets funded primarily by $1.2B in customer deposits. Returns are notably above industry norms: 2.32% ROA, 23.97% ROE, and 4.66% NIM. Regulatory capital is solid — 14.09% CET1 and 15.34% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.09%. Its footprint covers 17 branches concentrated in Texas.
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
- Fed District
- 13
- Established
- January 1, 1889
- Branches
- 17 domestic
- Employees (FTE)
- 244
- FDIC Cert
- 5544
- Fed RSSD
- 596062
- Website
- www.bankatcnb.bank →
- Parent Holding Company
- SULPHUR SPRINGS BANCSHARES, INC. (RSSD 1131666)
Capital & Liquidity
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City National Bank of Sulphur Springs, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
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Frequently asked about City National Bank of Sulphur Springs, the
What are City National Bank of Sulphur Springs, the's total assets?
As of the Q1 2026 filing, City National Bank of Sulphur Springs, the reported total assets of $1.37 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is City National Bank of Sulphur Springs, the headquartered?
City National Bank of Sulphur Springs, the is headquartered in SULPHUR SPRINGS, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was City National Bank of Sulphur Springs, the founded?
City National Bank of Sulphur Springs, the was established in 1889, per the FDIC institution directory.
Is City National Bank of Sulphur Springs, the FDIC-insured?
Yes. City National Bank of Sulphur Springs, the 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 City National Bank of Sulphur Springs, the?
City National Bank of Sulphur Springs, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is City National Bank of Sulphur Springs, the's CET1 capital ratio?
City National Bank of Sulphur Springs, the reported a Common Equity Tier 1 (CET1) capital ratio of 14.09% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does City National Bank of Sulphur Springs, the operate?
City National Bank of Sulphur Springs, the operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is City National Bank of Sulphur Springs, the's Texas Ratio?
City National Bank of Sulphur Springs, the's Texas Ratio is 1.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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