What is Citizens National Bank of Texas's financial health grade?

Citizens National Bank of Texas has a TFS Financial Health Grade of B- (score: 80.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens National Bank of Texas have?

Citizens National Bank of Texas has 12 branch locations across the United States.

Is Citizens National Bank of Texas FDIC insured?

Yes, Citizens National Bank of Texas is FDIC insured (Certificate #5574).

What are the total assets of Citizens National Bank of Texas?

Citizens National Bank of Texas has total assets of $2.1B as reported in its most recent FDIC filing.

Citizens National Bank of Texas

BankWaxahachie, Texas

www.cnboftexas.com

Total Assets

$2.1B

Total Deposits

$1.8B

Branches

Established

1868

TFS Health Grade

B-

80.4 / 100

Good financial health

How we grade

Citizens National Bank of Texas is a bank headquartered in Waxahachie, Texas, established in 1868. With $2.1B in total assets and 12 branch locations, it has a TFS Financial Health Grade of B- (80.4/100).

Capital & Safety

Tier 1 Capital Ratio

12.33%(8%)

Total Capital Ratio

15.10%(10%)

Non-Performing Loan Ratio

0.87%

Profitability

Return on Assets (ROA)

2.10%(1%)

Return on Equity (ROE)

17.65%(10%)

Net Interest Margin

5.22%

Efficiency Ratio

46.87%(60%)

Lending & Liquidity

Total Loans

$1.8B

Loan-to-Deposit Ratio

101.06%

Net Charge-Off Ratio

0.10%

Growth

Asset Growth (YoY)

+8.56%

Deposit Growth (YoY)

+6.71%

Net Income

$41.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens National Bank of TexasHQ	200 N Elm St	Waxahachie	TX	11
Citizens National Bank of Texas	3080 N Lake Blvd	Tahoe City	CA	11
Citizens National Bank of Texas	1651 Sw Wilshire Blvd	Burleson	TX	11
Citizens National Bank of Texas	106 West Hwy 1382	Cedar Hill	TX	11
Citizens National Bank of Texas	300 Granbury St	Cleburne	TX	11
Citizens National Bank of Texas	500 E Ennis Ave	Ennis	TX	11
Citizens National Bank of Texas	1021 E Highway 287	Midlothian	TX	11
Citizens National Bank of Texas	102 Harris Ave	Red Oak	TX	11
Citizens National Bank of Texas	2207 W Washington St	Stephenville	TX	11
Citizens National Bank of Texas	1001 N Highway 77	Waxahachie	TX	11
Citizens National Bank of Texas	2001 Bates Dr	Waxahachie	TX	11
Citizens National Bank of Texas	800 Santa Fe Dr	Weatherford	TX	23

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.