B
Citizens National Bank at Brownwood
Rating Date
August 2026
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 7.30
Capitalization Index 9.20
Liquidity Index 4.70
Profitability Index 5.30
Stability Index 6.10
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 4.33%
5-Year Asset Growth 4.58%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 2.50%
Non-Performing Loans to Loans 0.54%
Balance Sheet Citizens National Bank at Brownwood
Brownwood, TX
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Total Assets 303.41M
Total Deposits 272.43M
Capital and Reserves Citizens National Bank at Brownwood
Brownwood, TX
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Capital 28.80M
Leverage Ratio 10.47
Loan Loss Reserves to Loans 1.73%
Risk-Based Capital Ratio --
Liquidity Citizens National Bank at Brownwood
Brownwood, TX
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Hot Money Ratio 19.13%
Liquidity Ratio 44.35%
Profitability Citizens National Bank at Brownwood
Brownwood, TX
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5-Year Return on Average Assets 1.06%
Net Income 2.22M
Net Interest Spread 3.42%
Operating Profit to Average Assets 1.48%
Overhead Efficiency Ratio 60.38%
Return on Assets 1.48%
Return on Equity 15.35%