C
Citizens National Bank of Texas
Rating Date
March 2026
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 C
Asset Quality Index 6.00
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 10.00
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 8.56%
5-Year Asset Growth 6.48%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.79%
Non-Performing Loans to Capital 5.88%
Non-Performing Loans to Loans 0.87%
Balance Sheet Citizens National Bank of Texas
Waxahachie, TX
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Total Assets 2.09B
Total Deposits 1.80B
Capital and Reserves Citizens National Bank of Texas
Waxahachie, TX
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Capital 255.03M
Leverage Ratio 12.33
Loan Loss Reserves to Loans 1.11%
Risk-Based Capital Ratio 15.10
Liquidity Citizens National Bank of Texas
Waxahachie, TX
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Hot Money Ratio 14.15%
Liquidity Ratio 9.62%
Profitability Citizens National Bank of Texas
Waxahachie, TX
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5-Year Return on Average Assets 1.85%
Net Income 41.66M
Net Interest Spread 5.19%
Operating Profit to Average Assets 2.74%
Overhead Efficiency Ratio 46.87%
Return on Assets 2.11%
Return on Equity 17.69%