Bank Safety Analysis
Is The City National Bank of Sulphur Springs Safe? Sulphur Springs, Texas
Based on its Q2 2026 call report, The City National Bank of Sulphur Springs meets every capital ratio test for well capitalized, its Texas ratio is 1.09%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The City National Bank of Sulphur Springs safe?
On its Q2 2026 call report, The City National Bank of Sulphur Springs's CET1 ratio is 13.75%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 13.75%
- Tier 1 leverage ratio (Q2 2026): 9.78%
- Texas ratio (Q2 2026): 1.09%
- Noncurrent loans ratio (Q2 2026): 0.15%
The City National Bank of Sulphur Springs is an FDIC-insured commercial bank (FDIC Certificate #5544). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The City National Bank of Sulphur Springs (FDIC Certificate #5544) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
The City National Bank of Sulphur Springs passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The largest change between Q1 2026 and Q2 2026 was in net interest margin, which rose 0.16 percentage points to 4.82%. The City National Bank of Sulphur Springs ranks 143rd of 184 Texas banks on CET1 ratio, in the lower half at 13.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; The City National Bank of Sulphur Springs reported 13.75% for Q2 2026, nearly level with it. From Q3 2023 to Q2 2026, The City National Bank of Sulphur Springs's CET1 ratio ranged between 13.08% (Q3 2023) and 14.36% (Q3 2025) and its Texas ratio ranged between 0.76% (Q1 2026) and 11.83% (Q3 2023). Between Q2 2025 and Q2 2026, The City National Bank of Sulphur Springs's CET1 ratio fell from 14.32% to 13.75%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.83% to 0.15%, Texas ratio fell from 6.19% to 1.09% and return on assets rose from 1.84% to 2.22%.
Of the 346 banks headquartered in Texas, The City National Bank of Sulphur Springs is the 72nd largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $335.5M of $961.6M in total loans on its June 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q2 2026, The City National Bank of Sulphur Springs's CET1 ratio of 13.75% is above the 13.49% median, Tier 1 leverage ratio of 9.78% is below the 10.49% median, nonperforming loans ratio of 0.15% is below the 0.52% median, Texas ratio of 1.09% is below the 3.63% median, and efficiency ratio of 54.92% is below the 58.77% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does The City National Bank of Sulphur Springs score on capital, credit and costs?
Peer cohort: $1B to $10B (895 banks) · Industry averages as of Q2 2026.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 13.49%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 10.49%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 0.52%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 3.63%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 58.77%.
Does The City National Bank of Sulphur Springs trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.75% | Within range |
| Texas ratio BankRegReports band | 1.09% | Within range |
| Non-performing loan ratio BankRegReports band | 0.15% | Within range |
| Uninsured deposit share BankRegReports band | 27.25% | Within range |
| Loan-to-deposit ratio BankRegReports band | 78.12% | Within range |
| Commercial real estate to capital supervisory threshold | 191.32% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 13.75% |
| Q1 2026 | 14.09% |
| Q4 2025 | 14.32% |
| Q3 2025 | 14.36% |
| Q2 2025 | 14.32% |
| Q1 2025 | 14.02% |
| Q4 2024 | 13.63% |
| Q3 2024 | 13.61% |
| Q2 2024 | 14.16% |
| Q1 2024 | 13.60% |
| Q4 2023 | 13.12% |
| Q3 2023 | 13.08% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 1.09% |
| Q1 2026 | 0.76% |
| Q4 2025 | 4.39% |
| Q3 2025 | 5.61% |
| Q2 2025 | 6.19% |
| Q1 2025 | 6.86% |
| Q4 2024 | 7.27% |
| Q3 2024 | 7.73% |
| Q2 2024 | 8.16% |
| Q1 2024 | 8.50% |
| Q4 2023 | 10.08% |
| Q3 2023 | 11.83% |
Loans by type, Q2 2026
- 1-4 family residential loans: $335.5M
- Non-owner-occupied commercial real estate loans: $138.8M
- Construction and land development loans: $109.2M
- Owner-occupied commercial real estate loans: $87.4M
- Commercial and industrial loans: $68.3M
- Multifamily loans: $35.5M
- Agricultural production loans: $27.1M
- Other consumer loans: $24.1M
How have The City National Bank of Sulphur Springs's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $1.37B | 13.75% | 9.78% | 0.15% | 1.09% | 54.92% |
| Mar 31, 2026 | $1.37B | 14.09% | 9.86% | 0.11% | 0.76% | 52.30% |
| Dec 31, 2025 | $1.35B | 14.32% | 9.86% | 0.64% | 4.39% | 54.05% |
| Sep 30, 2025 | $1.35B | 14.36% | 9.87% | 0.79% | 5.61% | 52.86% |
| Jun 30, 2025 | $1.33B | 14.32% | 9.68% | 0.83% | 6.19% | 58.73% |
| Mar 31, 2025 | $1.31B | 14.02% | 9.65% | 0.89% | 6.86% | 55.78% |
| Dec 31, 2024 | $1.31B | 13.63% | 9.34% | 0.89% | 7.27% | 60.38% |
| Sep 30, 2024 | $1.30B | 13.61% | 9.42% | 0.99% | 7.73% | 56.54% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The City National Bank of Sulphur Springs FDIC insured?
Yes. The City National Bank of Sulphur Springs is an FDIC-insured commercial bank (FDIC Certificate #5544). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The City National Bank of Sulphur Springs well capitalized?
On its Q2 2026 call report, The City National Bank of Sulphur Springs's CET1 ratio is 13.75%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The City National Bank of Sulphur Springs's key safety ratios?
For Q2 2026, The City National Bank of Sulphur Springs reports CET1 13.75%, leverage 9.78%, Texas ratio 1.09%, noncurrent loans 0.15%. Its Texas ratio compares with the 3.63% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if The City National Bank of Sulphur Springs fails?
For Q2 2026, The City National Bank of Sulphur Springs reported $1.23B in total deposits, 27.25% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use. It shows The City National Bank of Sulphur Springs’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full The City National Bank of Sulphur Springs profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.