B
Citizens National Bank of Texas
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 of Texas
Waxahachie, TX
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Rating B
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 2.00
Profitability Index 9.60
Stability Index 5.00
Company Info Citizens National Bank of Texas
Waxahachie, TX
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FDIC Number 5574
Phone Number (972) 938-4300
Website www.cnboftexas.com
Asset Quality Citizens National Bank of Texas
Waxahachie, TX
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1-Year Asset Growth 6.98%
5-Year Asset Growth 13.00%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.67%
Non-Performing Loans to Capital 1.15%
Non-Performing Loans to Loans 0.22%
Balance Sheet Citizens National Bank of Texas
Waxahachie, TX
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Total Assets 1.92B
Total Deposits 1.67B
Capital and Reserves Citizens National Bank of Texas
Waxahachie, TX
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Capital 226.80M
Leverage Ratio 11.64
Loan Loss Reserves to Loans 1.08%
Risk-Based Capital Ratio 14.69
Liquidity Citizens National Bank of Texas
Waxahachie, TX
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Hot Money Ratio 13.14%
Liquidity Ratio 10.27%
Profitability Citizens National Bank of Texas
Waxahachie, TX
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5-Year Return on Average Assets 1.85%
Net Income 9.17M
Net Interest Spread 4.84%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 52.01%
Return on Assets 1.91%
Return on Equity 16.36%