Citizens National Bank
Cameron, TX · Cert 3127 · Peer group: banks under $1B in assets in TX (n=208-211) · Central Texas Financial Corp.
National charter · OCC · 13 branches
Q2 2026
$691.8MAssets
$422.4MLoans
$604.0MDeposits
$85.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net interest margin trails 59% of banks under $1B in assets in TX (rank 124 of 211).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.56%
Rank 59 of 211
Net Interest Margin
3.62%
Rank 124 of 211
Efficiency Ratio
48.01%
Rank 33 of 211
Equity / Assets
12.33%
Rank 69 of 211
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 85% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.87% | 1.20% | 1.65% | Beats 72% | 59 / 211 | |
| Return on Equity | 12.69% | 7.52% | 11.67% | 14.58% | Beats 58% | 89 / 211 | |
| Net Interest Margin | 3.62% | 3.28% | 3.82% | 4.31% | Beats 41% | 124 / 211 | |
| Efficiency Ratio | 48.01% | 53.01% | 64.18% | 73.65% | Beats 85% | 33 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 79% | 45 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 17.18% | 11.72% | 14.45% | 19.57% | Beats 67% | 69 / 211 | |
| Total Risk-Based Capital Ratio | 18.43% | 11.94% | 14.78% | 20.30% | Beats 69% | 65 / 211 | |
| Equity / Assets | 12.33% | 9.41% | 11.06% | 12.94% | Beats 67% | 69 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 69.93% | 45.39% | 66.56% | 82.03% | 56th pctl | 91 / 208 | |
| Loans / Assets | 61.05% | 39.13% | 56.90% | 70.46% | 58th pctl | 89 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |