Citizens National Bank of Texas
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 11.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.9 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Comm re (40%), home mtgs (16%), cash (8%), comm loans (8%), home eq lns (1%), securities (1%), consumer loans (0%), other (26%)
States with Branches:
CA, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Citizens Bancshares, Inc.
Investment Rating
--
Address
200 North Elm Street
Waxahachie, TX 75165
Waxahachie, TX 75165
Phone Number
(972) 938-4300
Year Founded
1868
FDIC Number
Website
Largest Affiliates
No affiliate information available.