The City National Bank of Taylor
The City National Bank of Taylor is an FDIC-insured commercial bank headquartered in Taylor, TX, supervised by the OCC, with $250.3M in total assets at Q2 2026, up 5.5% from Q2 2025, the 235th largest of 346 banks headquartered in Texas. Its FDIC certificate number is 5548. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.90% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as CNB of Taylor
BankRegReports is independent of The City National Bank of Taylor and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5548
- Headquarters
- Taylor, TX
- Established
- Not reported
- Total assets, Q2 2026
- $250.3M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 12.90%
- Domestic offices
- 1 · The City National Bank of Taylor branches FDIC institution directory, current count
- Routing number
- 114901859
- Safety and soundness
- Is The City National Bank of Taylor safe?
- Latest call report
- Q2 2026, FFIEC 051 · The City National Bank of Taylor call report
- Holding company
- CNB FINANCIAL CORPORATION, INC.
- Asset rank in state
- 235th of 346 in Texas
The City National Bank of Taylor, based in Taylor, Texas, reported $250 million in assets at June 30, 2026, up 5.5% from a year earlier. It pays an average of 1.04% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter slipped 18% from a year earlier, to $776,000. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.38% of loans from 0.68%.
As of June 30, 2026, The City National Bank of Taylor reported a return on assets of 1.27%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 1.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The City National Bank of Taylor is the 235th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $250.3M, loans rose 0.1% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 70.8% of total loans, followed by construction and land development loans at 7.2%. The FDIC Summary of Deposits lists a single office for it, in Taylor, TX. Judged on its Q2 2026 call report, The City National Bank of Taylor meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 116 W 3rd St, Taylor, TX 76574
- County
- Williamson
- Metro Area
- Austin-Round Rock-San Marcos, 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
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $220.8M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $243.5M
- Average total loans
- $149.1M
- Average interest-bearing deposits
- $143.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5548
- Fed RSSD
- 181963
- SEC CIK
- 755498 → filed by CNB FINANCIAL CORPORATION, INC.
- Website
- www.cnbt.bank →
- Parent Holding Company
- CNB FINANCIAL CORPORATION, INC. (RSSD 1109825)
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 Taylor reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The City National Bank of Taylor's total assets moved between a low of $237.4M (Q2 2025) and a high of $254.2M (Q4 2023) from Q3 2023 to Q2 2026, 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
$250.3M total assets against $237.4M; $221.8M total liabilities against $210.0M.
$148.6M net loans and leases against $144.1M; $220.8M total deposits against $209.0M.
$54.8M securities against $46.9M; $41.2M cash and balances due against $40.7M.
$3.0M total interest income against $3.0M; $560K total interest expense against $396K.
$2.4M net interest income against $2.6M.
$464K total noninterest income against $470K; $2.1M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$776K net income against $949K.
1.27% return on assets against 1.59%; 4.12% net interest margin against 4.45%.
12.90% tier 1 leverage ratio against 13.17%.
Inside the full The City National Bank of Taylor terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe City National Bank of Taylor rankings
Its closest position to the top of a national ranking is 1,823 of 3,611, for ROA; its furthest is 2,933 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.27% (Q2 2026) to 2.12% (Q4 2024) and its net interest margin ran from 4.08% (Q1 2026) to 4.78% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.90% | 1.27% | 0.38% | 1.89% | 4.12% |
| Q1 2026 | 13.03% | 1.29% | 0.38% | 1.91% | 4.08% |
| Q4 2025 | 13.00% | 1.79% | 0.40% | 2.04% | 4.50% |
| Q3 2025 | 13.45% | 1.59% | 0.58% | 2.80% | 4.49% |
| Q2 2025 | 13.17% | 1.59% | 0.68% | 3.42% | 4.45% |
| Q1 2025 | 12.94% | 1.62% | 0.47% | 2.40% | 4.36% |
| Q4 2024 | 12.65% | 2.12% | 0.64% | 3.40% | 4.69% |
| Q3 2024 | 12.80% | 1.89% | 0.70% | 3.55% | 4.78% |
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 Taylor | Taylor , TX | 76574 | $220.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 284 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 36 loans originated, $7.2M originated, across 1 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 2002 (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
Add this badge to your website
Free to use. It shows The City National Bank of Taylor’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The City National Bank of Taylor
What are The City National Bank of Taylor's total assets?
As of the Q2 2026 filing, The City National Bank of Taylor reported total assets of $250.3 million in its FFIEC call report.
Where is The City National Bank of Taylor headquartered?
It is headquartered in Taylor, TX, United States.
Is The City National Bank of Taylor FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5548). 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 Taylor?
The City National Bank of Taylor's primary federal regulator is the OCC.
How many branches does The City National Bank of Taylor 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 Taylor's Texas Ratio?
Its Texas Ratio is 1.89% 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.
Go deeper on The City National Bank of Taylor.
Get an email when The City National Bank of Taylor files its next call report, and benchmark it against any peer you choose.
Unlock The City National Bank of Taylor, freeFree account