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Citizens National Bank Of Texas
Waxahachie, TX · FDIC Certificate #5574 · Chartered 07/0
Total assets
$2.19B
Total deposits
$1.89B
Total equity
$262.98M
Net loans
$1.91B
Branches (offices)
12
Net income (YTD)
$26.55M
Rank: #567 of 4,213 U.S. banks by assets · #52 of 346 in Texas. Assets changed 10.9% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.49% |
| Return on equity | 20.55% |
| Net interest margin (YTD) | 5.39% |
| Equity to assets | 12.01% |
| Tier 1 leverage ratio | 12.20% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 101.2% |
| Real estate loans (share of loans) | 88.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.69B | 88.7% | |
| Commercial & industrial | $199.19M | 10.4% | |
| Consumer / individual | $7.08M | 0.4% | |
| Construction & development | $241.62M | 12.7% | |
| Agricultural | $4.71M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.94B | $1.76B | $11.55M | $167.05M |
| Jun 2023 | $1.81B | $1.60B | $21.05M | $195.96M |
| Jun 2024 | $1.91B | $1.68B | $13.11M | $213.13M |
| Jun 2025 | $1.97B | $1.72B | $23.57M | $237.25M |
| Jun 2026 | $2.19B | $1.89B | $26.55M | $262.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.83B | 11 |
| California | $55.11M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.89B.
Similar-sized banks
Chain Bridge Bank, National Association ($2.19B) · Thomasville National Bank ($2.18B)
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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