Bank Comparison
Citizens National Bank vs Classic Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens National Bank | Classic Bank, N.A. |
|---|---|---|
| CET1 Ratio | 16.51% | 16.14% |
| Tier 1 Capital Ratio | 16.51% | 16.14% |
| Total Capital Ratio | 17.76% | 17.39% |
| Tier 1 Leverage Ratio | 12.67% | 11.54% |
| Equity / Assets | 12.45% | 10.98% |
Profitability
| Metric | Citizens National Bank | Classic Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.58% | 1.76% |
| Return on Equity (ROE) | 12.80% | 16.23% |
| Net Interest Margin (NIM) | 3.78% | 3.72% |
| Yield on Earning Assets | 5.36% | 5.55% |
| Cost of Funds | 1.77% | 1.99% |
Asset quality
| Metric | Citizens National Bank | Classic Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 0.38% |
| Non-Performing Loan Ratio | 0.00% | 0.06% |
| Non-Performing Asset Ratio | 0.00% | 0.05% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.55% | 1.18% |
Balance sheet
| Metric | Citizens National Bank | Classic Bank, N.A. |
|---|---|---|
| Total Assets | $668,018K | $666,463K |
| Total Deposits | $582,102K | $586,614K |
| Total Loans | $429,095K | $511,363K |
| Total Equity | $83,149K | $73,187K |
| Net Income (quarter) | $2,634K | $2,934K |
Liquidity & funding
| Metric | Citizens National Bank | Classic Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 73.71% | 87.17% |
| Core Deposit Ratio | 92.34% | 92.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank | Classic Bank, N.A. |
|---|---|---|
| Headquarters City | CAMERON | CAMERON |
| Headquarters State | TX | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 5484 | 13731 |
| Regulator | OCC | OCC |
| Domestic Branches | 12 | 7 |
| Employees (FTE) | 84 | 93 |
| Established | July 1, 1900, midnight | Aug. 22, 1889, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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