Citizens National Bank of Texas: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1868, Citizens National Bank of Texas is among the oldest continuously operating FDIC-insured banks, headquartered in Waxahachie, TX. The Q2 2026 balance sheet stands at $2.2B in assets, including $1.9B in loans. Returns are notably above industry norms: 2.86% ROA, 23.41% ROE, and 5.51% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 13.55% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.62% nonperforming loans and a 11.30% Texas Ratio. Its footprint covers 12 branches concentrated in Texas.
As of June 30, 2026, Citizens National Bank of Texas reported a CET1 capital ratio of 13.55%, a return on assets of 2.86%, a nonperforming-loan ratio of 0.62%, a Texas ratio of 11.30%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 200 N Elm St, Waxahachie, TX 75165
- County
- Ellis
- Metro Area
- Dallas-Fort Worth-Arlington, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1868
- Offices
- 12 domestic
- Employees (FTE)
- 161
- Domestic deposits
- $1.89B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $425K
- Average total assets
- $2.13B
- Average total loans
- $1.93B
- Average interest-bearing deposits
- $1.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5574
- Fed RSSD
- 552161
- SEC CIK
- 1750328 → filed by FIRST CITIZENS BANCSHARES, INC.
- Website
- www.cnboftexas.com →
- Parent Holding Company
- FIRST CITIZENS BANCSHARES, INC. (RSSD 1105470)
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 of Texas terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens National Bank of Texas, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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 of Texas 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.
Metric pages for Citizens National Bank of Texas: ROA.
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 | 13.55% | 2.86% | 0.62% | 11.30% | 5.51% |
| Q1 2026 | 13.42% | 2.18% | 0.64% | 6.08% | 5.26% |
| Q4 2025 | 13.91% | 2.05% | 0.87% | 6.09% | 5.44% |
| Q3 2025 | 13.71% | 1.51% | 0.99% | 9.66% | 5.21% |
| Q2 2025 | 13.68% | 2.99% | 0.71% | 10.46% | 5.26% |
| Q1 2025 | 13.52% | 1.91% | 0.22% | 5.40% | 4.84% |
| Q4 2024 | 13.56% | 2.21% | 0.25% | 5.40% | 4.71% |
| Q3 2024 | 13.41% | 1.16% | 0.24% | 5.72% | 4.49% |
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 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens National Bank of Texas (main office) | Waxahachie , TX | 75165 | $678.4M |
| Citizens National Bank - 287 | Midlothian , TX | 76065 | $328.0M |
| Citizens National Bank - Uptown | Waxahachie , TX | 75165 | $246.5M |
| Citizens National Bank | Red Oak , TX | 75154 | $153.1M |
| Citizens National Bank | Cedar Hill , TX | 75104 | $152.2M |
| Citizens National Bank of Texas Branch | Ennis , TX | 75119 | $99.6M |
| Burleson Branch | Burleson , TX | 76028 | $64.1M |
| Stephenville Branch | Stephenville , TX | 76401 | $58.6M |
| Cnb of Texas Tahoe Branch | Tahoe City , CA | 96145 | $55.1M |
| Cnb of Texas- Weatherford Branch | Weatherford , TX | 76086 | $41.5M |
| Cnb of Texas - Cleburne Branch | Cleburne , TX | 76033 | $7.7M |
| Cnb Bates Building Branch | Waxahachie , TX | 75167 | $1.5M |
Regulatory record
What the public regulatory sources show for Citizens National Bank of Texas, 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
- 1 against the institution (OCC)
- May 26, 2011, OCC: Formal Agreement: Citizens National Bank of Texas
- Period: Most recent institution action May 26, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 72 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 176 applications, 115 loans originated, $91.0M originated, across 8 states
- Period: Calendar year 2025. 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.
Add this badge to your website
Free to use. The badge always shows Citizens National Bank of Texas’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Citizens National Bank of Texas with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Citizens National Bank of Texas
What are Citizens National Bank of Texas's total assets?
As of the Q2 2026 filing, Citizens National Bank of Texas reported total assets of $2.19 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank of Texas headquartered?
Citizens National Bank of Texas is headquartered in Waxahachie, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank of Texas founded?
Citizens National Bank of Texas was established in 1868, per the FDIC institution directory.
Is Citizens National Bank of Texas FDIC-insured?
Yes. Citizens National Bank of Texas is an FDIC-insured commercial bank (FDIC Certificate #5574). 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 of Texas?
Citizens National Bank of Texas'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 of Texas's CET1 capital ratio?
Citizens National Bank of Texas reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% 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 of Texas operate?
Citizens National Bank of Texas operates 12 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 of Texas's Texas Ratio?
Citizens National Bank of Texas's Texas Ratio is 11.30% 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.
Go deeper on Citizens National Bank of Texas.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Citizens National Bank of Texas, freeFree account