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Citizens National Bank At Brownwood
Brownwood, TX · FDIC Certificate #14779 · Chartered 09/2
Total assets
$303.41M
Total deposits
$272.43M
Total equity
$28.80M
Net loans
$108.70M
Branches (offices)
2
Net income (YTD)
$2.22M
Rank: #2,452 of 4,213 U.S. banks by assets · #212 of 346 in Texas. Assets changed 4.3% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 15.34% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 9.49% |
| Tier 1 leverage ratio | 10.47% |
| Uninsured deposits (share of deposits) | 20.8% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 39.9% |
| Real estate loans (share of loans) | 64.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $69.99M | 64.4% | |
| Commercial & industrial | $22.02M | 20.3% | |
| Consumer / individual | $5.05M | 4.6% | |
| Construction & development | $6.88M | 6.3% | |
| Agricultural | $6.23M | 5.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $294.76M | $275.23M | $1.64M | $18.01M |
| Jun 2023 | $275.35M | $245.63M | $850.00K | $17.71M |
| Jun 2024 | $293.22M | $250.70M | $912.00K | $21.73M |
| Jun 2025 | $290.83M | $261.42M | $2.20M | $27.32M |
| Jun 2026 | $303.41M | $272.43M | $2.22M | $28.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $272.43M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $272.43M.
Similar-sized banks
First Heritage Bank ($303.43M) · Bedford Federal Savings Bank ($303.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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