Total Assets
$2.1B
Total balance-sheet footings
FDIC Cert #5574 · Waxahachie, Texas · Est. 1868
Citizens National Bank of Texas - FDIC Bank Health Profile
A community-scale look at Citizens National Bank of Texas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.1B
- Total assets
- A
- Health grade · Excellent
- 2.10%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens National Bank of Texas earns a PlainBankData health grade of A (91/100), with well-capitalized at 13.91% Tier 1, profitable at 2.10% ROA, efficient (47% cost ratio).
- #571
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 13.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 92nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens National Bank of Texas's 91/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens National Bank of Texas's composite health score
Tier 1 Capital Ratio (13.91%) 35/40
Return on Assets (ROA) (2.10%) 25/25
Texas Ratio (5.81%) 16/20
Efficiency Ratio (46.87%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.8B
Outstanding loan book
Net Income
$42M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens National Bank of Texas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens National Bank of Texas's score of 91/100 falls in the highlighted band.
Citizens National Bank of Texas's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens National Bank of Texas's $2.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.91%
Texas Ratio
5.81%
Equity Capital
$255M
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.10%
Return on Equity (ROE)
17.65%
Efficiency Ratio
46.87%
What the numbers say about Citizens National Bank of Texas
Citizens National Bank of Texas is an FDIC-insured institution (Certificate #5574) headquartered in Waxahachie, Texas, established in 1868. It holds $2.1B in total assets - 571st of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.8B in net loans. Looking at capital strength, Tier 1 stands at 13.91%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.81%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (91/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, Citizens National Bank of Texas ranks 54th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$127M
Interest Income
$15M
Non-Interest Income
$52M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens National Bank of Texas reports a Texas Ratio of 5.81% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.81% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens National Bank of Texas (FDIC Cert #5574) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Citizens National Bank of Texas's health grade?▼
Citizens National Bank of Texas receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens National Bank of Texas?▼
Citizens National Bank of Texas holds $2.1B in total assets and $1.8B in deposits, ranking 571st of 4,313 FDIC-insured banks by asset size. It is headquartered in Waxahachie, Texas.
Is my money safe at Citizens National Bank of Texas?▼
Yes, deposits at Citizens National Bank of Texas (Certificate #5574) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens National Bank of Texas's Tier 1 Capital Ratio?▼
Citizens National Bank of Texas has a Tier 1 Capital Ratio of 13.91%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens National Bank of Texas?▼
Citizens National Bank of Texas has a Texas Ratio of 5.81%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens National Bank of Texas?▼
Citizens National Bank of Texas has an Efficiency Ratio of 46.87%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens National Bank of Texas's profile as a depositor or analyst.
- Citizens National Bank of Texas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens National Bank of Texas against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.