Citizens National Bank is a national bank headquartered in Crockett, Texas, in business for about 44 years. At the end of Q2 2026 it reported $108.8M in total assets and $95.2M in deposits, with 1 office.
Citizens National Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 97th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (48/100, 0.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (84 → 80), mostly because the funding & liquidity component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 88 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 83 |
| Q4 2025 | 83 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.24% |
| Q3 2024 | 13.14% |
| Q4 2024 | 12.92% |
| Q1 2025 | 13.32% |
| Q2 2025 | 13.79% |
| Q3 2025 | 13.77% |
| Q4 2025 | 13.07% |
| Q1 2026 | 12.79% |
| Q2 2026 | 12.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.45% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $108.8M | 12.82% | 0.00% | 0.69% | 38.9% |
| Q1 2026 | 80 | $105.9M | 12.79% | 0.00% | 0.69% | 39.1% |
| Q4 2025 | 83 | $103.2M | 13.07% | 0.00% | 0.94% | 40.6% |
| Q3 2025 | 83 | $101.5M | 13.77% | 0.00% | 0.57% | 35.3% |
| Q2 2025 | 84 | $93.4M | 13.79% | 0.00% | 0.64% | 38.6% |
| Q1 2025 | 84 | $96.0M | 13.32% | 0.00% | 0.77% | 41.3% |
| Q4 2024 | 88 | $97.8M | 12.92% | 0.00% | 1.45% | 40.0% |
| Q3 2024 | 86 | $98.6M | 13.14% | 0.00% | 1.07% | 38.3% |
| Q2 2024 | 86 | $99.2M | 13.24% | 0.00% | 1.09% | 39.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Cowboy Bank of TexasBank Maypearl, TX | 77 out of 100, Strong | $108.6M | 17.5% | 2.29% | vs |
| First Capital BankBank Quanah, TX | 69 out of 100, Moderate | $107.3M | 9.6% | 0.70% | vs |
| The First National Bank of AnsonBank Anson, TX | 71 out of 100, Strong | $105.2M | 7.8% | 0.26% | vs |
| The Lytle State Bank of Lytle, TexasBank Lytle, TX | 79 out of 100, Strong | $114.6M | 14.6% | 0.53% | vs |
| The Commercial BankBank Mason, TX | 79 out of 100, Strong | $114.6M | 9.9% | 0.00% | vs |
| The First National Bank of HebbronvilleBank Hebbronville, TX | 87 out of 100, Very strong | $102.0M | 16.5% | 0.47% | vs |
Deposit insurance
Is my money safe at Citizens National Bank?
Yes. Citizens National Bank is an FDIC-insured institution (FDIC certificate #24085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.2% of deposits ($33.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Citizens National Bank lists 1 office in 1 city. Most locations:
- Crockett, TX (1)
Identity & history
Profile
- Legal name
- Citizens National Bank
- Type
- National bank
- FDIC certificate #
- 24085
- RSSD ID
- 700252
- Primary regulator
- OCC
- Holding company
- Citizens Bcorp Inc
- Established
- September 7, 1982
- Headquarters
- 1320 E Loop 304, Crockett, TX 75835
- Website
- www.cnbcrockett.com
- Employees
- 14
Quick answers
Citizens National Bank: common questions
Is Citizens National Bank FDIC insured?
Yes. Citizens National Bank is an FDIC-insured institution (FDIC certificate #24085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens National Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens National Bank ever failed?
There is no failure record for FDIC certificate #24085 in the FDIC failed bank list.
How many branches does Citizens National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Crockett
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Southland Federal Credit UnionCredit union Lufkin, TX | 85 out of 100, Very strong | $89.2M | 14.4% | 0.62% | vs |
| Citizens State BankBank Corrigan, TX | 83 out of 100, Strong | $190.6M | 12.0% | 0.50% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| Lovelady State BankBank Lovelady, TX | 73 out of 100, Strong | $52.5M | 12.8% | 1.42% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |