Citizens National Bank
Crockett, TX·RSSD 700252·FDIC 24085·bank:700252·CBLR opted in
- #306 of 352Total assets in Texas
- 1offices
- 14employees
- Top 2%Lowest cost of deposits in the U.S.
- Top 2%Cost of deposits vs. peers
- Top 7%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Citizens National Bank
5 of 25 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter0.50%peers 1.68%-118 bps
Citizens National Bank's cost of all deposits was 0.50%, compared with a median of 1.68% among 1213 similar banks: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.50% | 1.68% | -118 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens National Bank itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal4.06%peers 4.03%+3 bps
Citizens National Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.06% | 4.03% | +3 bps |
| Cost of all deposits | ||
| 0.50% | 1.68% | -118 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens National Bank itself is left out of every peer median and percentile. How signals work
Where Citizens National Bank differs most from peers
Loan-to-deposit ratio among the lowest of similar banksContext: Liquidity39.5%peers 77.5%-38.0 pp
Citizens National Bank's loans as a share of deposits was 39.5%, compared with a median of 77.5% among 1213 similar banks: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 39.5% | 77.5% | -38.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens National Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposits growing faster than peersFunding
- Net interest margin narrowing while the peer median widensEarnings
- Deposit costs rising while the peer median fallsFunding
Key facts
- Citizens National Bank is a bank headquartered in Crockett, Texas. It reported $109 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $95.2 million, up 18.1% from a year earlier, and loans totaled $37.6 million, up 18.4%.
- Its net interest margin was 4.06% and its annualized return on assets was 0.69% for the quarter.
- Its cost of all deposits was 0.50%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Citizens National Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Citizens National Bank · Bank
- Federal Reserve RSSD
- 700252
- FDIC certificate
- 24085
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens National Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $185K | — | |
| $1.14M | — | |
| $118K | — | |
| $1.02M | — | |
| $113K | — | |
| $946K | — | |
| $0 | — | |
| $0 | — | |
| 0.69% | 0.69%ROAQ · Quarter | |
| 4.06% | 4.05%NIMYQ · Quarter | |
| 83.64% | 83.64%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.