City National Bank of Colorado City, The
Colorado City, TX · Cert 3144 · Peer group: banks under $1B in assets in TX (n=208-211) · City National Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
$452.4MAssets
$295.8MLoans
$396.0MDeposits
$55.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 68% of banks under $1B in assets in TX (rank 69 of 208).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in TX (rank 173 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.23%
Rank 99 of 211
Net Interest Margin
3.93%
Rank 98 of 211
Efficiency Ratio
61.41%
Rank 94 of 211
Equity / Assets
12.25%
Rank 70 of 211
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 56% 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 | 1.23% | 0.87% | 1.20% | 1.65% | Beats 53% | 99 / 211 | | |
| Return on Equity | 10.04% | 7.52% | 11.67% | 14.58% | Beats 40% | 126 / 211 | | |
| Net Interest Margin | 3.93% | 3.28% | 3.82% | 4.31% | Beats 54% | 98 / 211 | | |
| Efficiency Ratio | 61.41% | 53.01% | 64.18% | 73.65% | Beats 56% | 94 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.01% | 0.30% | 1.10% | Beats 52% | 100 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 68% | 69 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.72% | 14.45% | 19.57% | Beats 18% | 172 / 211 | | |
| Total Risk-Based Capital Ratio | 10.97% | 11.94% | 14.78% | 20.30% | Beats 18% | 173 / 211 | | |
| Equity / Assets | 12.25% | 9.41% | 11.06% | 12.94% | Beats 67% | 70 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.68% | 45.39% | 66.56% | 82.03% | 63rd pctl | 77 / 208 | | |
| Loans / Assets | 65.37% | 39.13% | 56.90% | 70.46% | 65th pctl | 73 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |