Citizens National Bank of Crosbyton
Crosbyton, TX · Cert 3158 · Peer group: banks under $1B in assets in TX (n=208-211) · Citizens Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$77.6MAssets
$28.2MLoans
$64.0MDeposits
$13.1MEquity
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 69% of banks under $1B in assets in TX (rank 145 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.70%
Rank 50 of 211
Net Interest Margin
3.45%
Rank 145 of 211
Efficiency Ratio
38.08%
Rank 13 of 211
Equity / Assets
16.86%
Rank 20 of 211
Non-interest income vs. expense
Unfavorable gap of $0.9M · efficiency ratio beats 94% 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 | 1.70% | 0.87% | 1.20% | 1.65% | Beats 76% | 50 / 211 | | |
| Return on Equity | 10.06% | 7.52% | 11.67% | 14.58% | Beats 41% | 125 / 211 | | |
| Net Interest Margin | 3.45% | 3.28% | 3.82% | 4.31% | Beats 31% | 145 / 211 | | |
| Efficiency Ratio | 38.08% | 53.01% | 64.18% | 73.65% | Beats 94% | 13 / 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 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 16.81% | 11.72% | 14.45% | 19.57% | Beats 65% | 74 / 211 | | |
| Total Risk-Based Capital Ratio | 16.81% | 11.94% | 14.78% | 20.30% | Beats 62% | 80 / 211 | | |
| Equity / Assets | 16.86% | 9.41% | 11.06% | 12.94% | Beats 91% | 20 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.05% | 45.39% | 66.56% | 82.03% | 23rd pctl | 160 / 208 | | |
| Loans / Assets | 36.35% | 39.13% | 56.90% | 70.46% | 21st pctl | 167 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |