B
The City National Bank of Sulphur Springs
Rating Date
October 2025
Risk Based
Capital Ratio
15.62
Leverage
Ratio
9.87
Return On
Assets
1.93%
Total
Assets
1.35B
Capital
127.93M
Total
Deposits
1.21B
Net
Income
19.26M
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Weiss Ratings The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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Rating B
Asset Quality Index 6.20
Capitalization Index 8.30
Liquidity Index 3.70
Profitability Index 7.70
Stability Index 9.40
Company Info The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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FDIC Number 5544
Phone Number (903) 885-7523
Website www.bankatcnb.bank
Asset Quality The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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1-Year Asset Growth 3.83%
5-Year Asset Growth 14.01%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.58%
Non-Performing Loans to Capital 4.97%
Non-Performing Loans to Loans 0.83%
Balance Sheet The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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Total Assets 1.35B
Total Deposits 1.21B
Capital and Reserves The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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Capital 127.93M
Leverage Ratio 9.87
Loan Loss Reserves to Loans 1.57%
Risk-Based Capital Ratio 15.62
Liquidity The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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Hot Money Ratio 21.62%
Liquidity Ratio 28.01%
Profitability The City National Bank of Sulphur Springs
Sulphur Springs, TX 		Click to
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5-Year Return on Average Assets 1.63%
Net Income 19.26M
Net Interest Spread 4.38%
Operating Profit to Average Assets 1.93%
Overhead Efficiency Ratio 56.45%
Return on Assets 1.93%
Return on Equity 21.69%