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 7.40
Capitalization Index 9.40
Liquidity Index 4.40
Profitability Index 5.10
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 -0.81%
5-Year Asset Growth 5.00%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 2.53%
Non-Performing Loans to Loans 0.08%
Balance Sheet Citizens National Bank at Brownwood
Brownwood, TX
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Total Assets 290.83M
Total Deposits 261.42M
Capital and Reserves Citizens National Bank at Brownwood
Brownwood, TX
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Capital 27.32M
Leverage Ratio 10.62
Loan Loss Reserves to Loans 1.65%
Risk-Based Capital Ratio --
Liquidity Citizens National Bank at Brownwood
Brownwood, TX
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Hot Money Ratio 20.67%
Liquidity Ratio 44.99%
Profitability Citizens National Bank at Brownwood
Brownwood, TX
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5-Year Return on Average Assets 1.07%
Net Income 2.20M
Net Interest Spread 3.03%
Operating Profit to Average Assets 1.53%
Overhead Efficiency Ratio 59.53%
Return on Assets 1.53%
Return on Equity 17.01%