Citizens National Bank at Brownwood
Brownwood, TX · Cert 14779 · Peer group: banks under $1B in assets in TX (n=208-211) · Brownwood Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$303.4MAssets
$110.6MLoans
$272.4MDeposits
$28.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 58% of banks under $1B in assets in TX (rank 89 of 211).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in TX (rank 188 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.15%
Rank 113 of 211
Net Interest Margin
3.25%
Rank 163 of 211
Efficiency Ratio
60.38%
Rank 89 of 211
Equity / Assets
9.49%
Rank 157 of 211
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 58% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.87% | 1.20% | 1.65% | Beats 46% | 113 / 211 | | |
| Return on Equity | 12.09% | 7.52% | 11.67% | 14.58% | Beats 54% | 97 / 211 | | |
| Net Interest Margin | 3.25% | 3.28% | 3.82% | 4.31% | Beats 23% | 163 / 211 | | |
| Efficiency Ratio | 60.38% | 53.01% | 64.18% | 73.65% | Beats 58% | 89 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.01% | 0.30% | 1.10% | Beats 33% | 140 / 208 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 31% | 146 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 10.47% | 11.72% | 14.45% | 19.57% | Beats 12% | 186 / 211 | | |
| Total Risk-Based Capital Ratio | 10.47% | 11.94% | 14.78% | 20.30% | Beats 11% | 188 / 211 | | |
| Equity / Assets | 9.49% | 9.41% | 11.06% | 12.94% | Beats 26% | 157 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.60% | 45.39% | 66.56% | 82.03% | 19th pctl | 169 / 208 | | |
| Loans / Assets | 36.46% | 39.13% | 56.90% | 70.46% | 21st pctl | 166 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |