Bank Comparison
Citizens National Bank at Brownwood vs Anahuac National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens National Bank at Brownwood | Anahuac National Bank |
|---|---|---|
| CET1 Ratio | — | 20.08% |
| Tier 1 Capital Ratio | — | 20.08% |
| Total Capital Ratio | — | 21.34% |
| Tier 1 Leverage Ratio | 10.28% | 9.13% |
| Equity / Assets | 9.75% | 3.08% |
Profitability
| Metric | Citizens National Bank at Brownwood | Anahuac National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 0.91% |
| Return on Equity (ROE) | 14.49% | 28.24% |
| Net Interest Margin (NIM) | 3.30% | 3.46% |
| Yield on Earning Assets | 4.42% | 4.36% |
| Cost of Funds | 1.19% | 0.94% |
Asset quality
| Metric | Citizens National Bank at Brownwood | Anahuac National Bank |
|---|---|---|
| Texas Ratio | 5.02% | 0.85% |
| Non-Performing Loan Ratio | 0.86% | 0.11% |
| Non-Performing Asset Ratio | 0.32% | 0.03% |
| Net Charge-Off Ratio | 0.14% | 0.00% |
| ACL / Loans | 1.70% | 2.72% |
Balance sheet
| Metric | Citizens National Bank at Brownwood | Anahuac National Bank |
|---|---|---|
| Total Assets | $295,967K | $294,255K |
| Total Deposits | $265,081K | $284,466K |
| Total Loans | $111,300K | $88,300K |
| Total Equity | $28,853K | $9,075K |
| Net Income (quarter) | $1,049K | $669 |
Liquidity & funding
| Metric | Citizens National Bank at Brownwood | Anahuac National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 41.99% | 31.04% |
| Core Deposit Ratio | 91.14% | 96.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank at Brownwood | Anahuac National Bank |
|---|---|---|
| Headquarters City | BROWNWOOD | ANAHUAC |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 14273 | 16625 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 43 | 36 |
| Established | Sept. 28, 1934, midnight | Dec. 20, 1976, 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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