The City National Bank of Sulphur Springs
Sulphur Springs, TX·RSSD 596062·FDIC 5544·bank:596062·Risk-based ratios where reported
- #73 of 352Total assets in Texas
- 17offices
- 250employees
- Top 6%Net interest margin vs. peers
- Top 9%Return on assets vs. peers
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 The City National Bank of Sulphur Springs
1 of 26 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Problem loans falling while the peer median risesStrength: Asset quality 2nd quarter0.15%peers 0.48%-33 bps
The City National Bank of Sulphur Springs's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 68 bps over the past year to 0.15%. Among 624 similar banks, the median rose 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.15% | 0.48% | -33 bps |
| 12-month change | ||
| -68 bps | +2 bps | -70 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: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. The City National Bank of Sulphur Springs itself is left out of every peer median and percentile. How signals work
Where The City National Bank of Sulphur Springs differs most from peers
Net interest margin among the highest of similar banksContext: Earnings4.91%peers 3.81%+109 bps
The City National Bank of Sulphur Springs's net interest margin was 4.91%, compared with a median of 3.81% among 628 similar banks: higher than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.91% | 3.81% | +109 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. The City National Bank of Sulphur Springs itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share among the highest of similar banksContext: Funding32.4%peers 19.5%+12.9 pp
The City National Bank of Sulphur Springs's share of deposits that pay no interest was 32.4%, compared with a median of 19.5% among 625 similar banks: higher than 89% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 32.4% | 19.5% | +12.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. The City National Bank of Sulphur Springs itself is left out of every peer median and percentile. How signals work
Key facts
- The City National Bank of Sulphur Springs is a bank headquartered in Sulphur Springs, Texas. It reported $1.4 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.2 billion, up 2.7% from a year earlier, and loans totaled $962 million, up 6.1%.
- Its net interest margin was 4.91% and its annualized return on assets was 2.24% for the quarter.
- Its cost of all deposits was 1.46%, compared with a median of 1.94% among 625 similar banks with $1 billion to $3 billion 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 The City National Bank of Sulphur Springs's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- The City National Bank of Sulphur Springs · Bank
- Federal Reserve RSSD
- 596062
- FDIC certificate
- 5544
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. The City National Bank of Sulphur Springs 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 |
|---|---|---|
| $7.67M | — | |
| $20.07M | — | |
| $4.48M | — | |
| $15.59M | — | |
| $3.23M | — | |
| $10.45M | — | |
| $0 | — | |
| $0 | — | |
| 2.24% | 2.23%ROAQ · Quarter | |
| 4.91% | 4.89%NIMYQ · Quarter | |
| 55.55% | 55.22%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.