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Citizens National Bank of Crosbyton

Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$77.6MAssets
$28.2MLoans
$64.0MDeposits
$13.1MEquity
Loan mix
60%RE $10.1M24%C&I $4.0M17%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $48.0M25%Noninterest $16.1MQ3 2024Q2 2026

Market Position · Lubbock, TX · 2026 SOD (annual) · 0.4% share · #24 of 31 inst. · $0.1B of $14.3B

Executive Summary

  • Earnings: ROA of 1.59%, up 4 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.81%, up 3 bps from a year ago.
  • Funding: loans stand at 44.05% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.59%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+25 bps YoY

Efficiency Ratio (quarter, annualized)

39.18%-513 bps YoY

Tier 1 Leverage Ratio

16.81%+3 bps YoY

NIM

6.04%Q2 ’245.16%Q2 ’255.17%Q2 ’26-17%+8%

Non-interest income vs. expense

1.41%Q2 ’241.61%Q2 ’251.47%Q2 ’26+13%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.84%1.58%1.87%1.55%2.05%1.30%1.80%1.59%+4 bps
Return on Equity16.08%8.95%10.67%9.01%12.09%7.70%10.73%9.47%+46 bps
Net Interest Margin4.64%3.65%3.35%3.30%3.58%3.48%3.33%3.55%+25 bps
Efficiency Ratio26.80%46.63%37.23%44.31%32.25%50.62%36.93%39.18%-513 bps
Non-Interest Burden1.00%1.55%0.98%1.28%0.99%1.63%1.06%1.27%-1 bps
Growth
Asset Growth (YoY)-1.65%-1.76%2.02%12.99%12.21%11.55%11.74%5.88%-711 bps
Loan Growth (YoY)16.31%11.87%31.25%14.54%25.84%53.98%22.76%37.95%+2,340 bps
Deposit Growth (YoY)-4.50%-4.70%0.36%13.91%13.25%12.63%12.93%5.94%-798 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.12%0.00%0.00%0.00%0.00%-12 bps
Allowance / Loans0.97%1.24%1.10%1.00%0.85%0.95%1.06%1.06%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.21%17.49%17.54%16.79%17.06%16.75%16.73%16.81%+3 bps
Total Risk-Based Capital18.21%17.49%17.54%16.79%17.06%16.75%16.73%16.81%+3 bps
Equity / Assets17.85%17.53%17.58%16.82%17.09%16.80%16.75%16.86%+4 bps
Liquidity & Funding
Loans / Deposits35.71%30.20%33.66%33.83%39.68%41.29%36.59%44.05%+1,022 bps
Liquid Assets / Assets63.62%64.36%62.22%63.28%57.20%56.64%60.13%53.87%-942 bps
CRE / Total Capitaln/an/an/an/a19.96%19.16%33.33%n/an/a