Citizens National Bank (Cameron, TX): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Cameron, TX, Citizens National Bank serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $692M in total assets and $604M in deposits. Returns are notably above industry norms: 1.62% ROA, 13.18% ROE, and 3.81% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 17.18% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.00%. Citizens National operates a 13-branch network.
As of June 30, 2026, Citizens National Bank reported a CET1 capital ratio of 17.18%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 118 S Houston Ave, Cameron, TX 76520
- County
- Milam
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1900
- Former names
- Citizens National Bank of Milam County (1988-2002)
- Offices
- 13 domestic
- Employees (FTE)
- 86
- Domestic deposits
- $604.0M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- -$1K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3127
- Fed RSSD
- 59352
- Website
- www.cnbanktexas.com →
- Parent Holding Company
- CENTRAL TEXAS FINANCIAL CORP. (RSSD 3137729)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.18% | 1.62% | 0.00% | 0.00% | 3.81% |
| Q1 2026 | 16.51% | 1.58% | 0.00% | 0.00% | 3.78% |
| Q4 2025 | 17.07% | 1.56% | 0.00% | 0.01% | 3.75% |
| Q3 2025 | 16.21% | 1.49% | 0.00% | 0.00% | 3.65% |
| Q2 2025 | 16.91% | 1.83% | 0.00% | 0.00% | 3.56% |
| Q1 2025 | 16.47% | 1.17% | 0.06% | 0.30% | 3.14% |
| Q4 2024 | 16.35% | 1.32% | 0.06% | 0.34% | 3.09% |
| Q3 2024 | 15.79% | 1.06% | 0.06% | 1.35% | 2.91% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens National Bank (main office) | Cameron , TX | 76520 | $157.7M |
| Pflugerville Branch | Pflugerville , TX | 78660 | $113.6M |
| Rockdale Branch | Rockdale , TX | 76567 | $100.1M |
| Taylor Branch | Taylor , TX | 76574 | $97.6M |
| Giddings Branch | Giddings , TX | 78942 | $35.5M |
| Coupland Branch | Coupland , TX | 78615 | $30.0M |
| Round Rock Branch | Round Rock , TX | 78664 | $28.6M |
| Brenham Branch | Brenham , TX | 77833 | $24.8M |
| Citizens National Bank - Austin Branch | Cedar Park , TX | 78641 | $9.2M |
| Killeen Branch | Killeen , TX | 76541 | $6.9M |
| Giddings Drive Thru Branch | Giddings , TX | 78942 | $0 |
| Rockdale Branch | Rockdale , TX | 76567 | $0 |
| Drive-In Facility | Cameron , TX | 76520 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| September 23, 1988 | Structure Change | Acquired Community Bank and Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 22, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Citizens National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 164 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens National Bank
What are Citizens National Bank's total assets?
As of the Q2 2026 filing, Citizens National Bank reported total assets of $691.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank headquartered?
Citizens National Bank is headquartered in Cameron, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank founded?
Citizens National Bank was established in 1900, per the FDIC institution directory.
Is Citizens National Bank FDIC-insured?
Yes. Citizens National Bank is an FDIC-insured commercial bank (FDIC Certificate #3127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank?
Citizens National Bank'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 Citizens National Bank's CET1 capital ratio?
Citizens National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens National Bank operate?
Citizens National Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank's Texas Ratio?
Citizens National Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens National Bank previously called?
The charter now named Citizens National Bank has also operated as Citizens National Bank of Milam County (1988-2002), per FDIC structure-change records.
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