B
Citizens National Bank at Brownwood
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens National Bank at Brownwood
Brownwood, TX
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Rating B
Asset Quality Index 7.90
Capitalization Index 9.30
Liquidity Index 4.60
Profitability Index 5.80
Stability Index 5.60
Company Info Citizens National Bank at Brownwood
Brownwood, TX
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FDIC Number 14779
Phone Number (325) 643-3545
Website www.cnb-brownwood.com
Asset Quality Citizens National Bank at Brownwood
Brownwood, TX
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1-Year Asset Growth 3.24%
5-Year Asset Growth 5.00%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.75%
Non-Performing Loans to Loans 0.32%
Balance Sheet Citizens National Bank at Brownwood
Brownwood, TX
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Total Assets 297.79M
Total Deposits 266.90M
Capital and Reserves Citizens National Bank at Brownwood
Brownwood, TX
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Capital 28.76M
Leverage Ratio 10.54
Loan Loss Reserves to Loans 1.71%
Risk-Based Capital Ratio --
Liquidity Citizens National Bank at Brownwood
Brownwood, TX
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Hot Money Ratio 20.66%
Liquidity Ratio 49.46%
Profitability Citizens National Bank at Brownwood
Brownwood, TX
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5-Year Return on Average Assets 1.07%
Net Income 3.51M
Net Interest Spread 3.09%
Operating Profit to Average Assets 1.61%
Overhead Efficiency Ratio 58.35%
Return on Assets 1.61%
Return on Equity 17.60%