B
Citizens National Bank at Brownwood
Rating Date
June 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 7.30
Capitalization Index 9.10
Liquidity Index 4.40
Profitability Index 4.20
Stability Index 5.40
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 0.19%
5-Year Asset Growth 5.00%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 2.62%
Non-Performing Loans to Loans 0.07%
Balance Sheet Citizens National Bank at Brownwood
Brownwood, TX
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Total Assets 287.97M
Total Deposits 260.11M
Capital and Reserves Citizens National Bank at Brownwood
Brownwood, TX
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Capital 25.93M
Leverage Ratio 10.42
Loan Loss Reserves to Loans 1.76%
Risk-Based Capital Ratio --
Liquidity Citizens National Bank at Brownwood
Brownwood, TX
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Hot Money Ratio 19.38%
Liquidity Ratio 42.43%
Profitability Citizens National Bank at Brownwood
Brownwood, TX
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5-Year Return on Average Assets 1.07%
Net Income 1.02M
Net Interest Spread 2.97%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 61.11%
Return on Assets 1.41%
Return on Equity 16.15%