TellerScore

Headquartered in Cameron, Texas, Citizens National Bank is a national bank with $691.8M in total assets and $604.0M in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1900.

Citizens National Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 38th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (73/100, 69% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.73%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings84/100
Return on assets (annualized): 1.61%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 68.9% · 31.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 rose 3 points (83 → 86), mostly because the funding & liquidity component improved by 6 points.

TellerScore
748086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202477
Q1 202578
Q2 202583
Q3 202584
Q4 202584
Q1 202685
Q2 202686
Tier 1 leverage ratio
5.00%8.87%12.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.22%
Q3 202411.43%
Q4 202411.55%
Q1 202511.85%
Q2 202512.32%
Q3 202512.52%
Q4 202512.54%
Q1 202612.67%
Q2 202612.73%
Noncurrent loans
0.00%0.12%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.23%
Q4 20240.06%
Q1 20250.06%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.99%1.30%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20241.02%
Q4 20241.10%
Q1 20251.18%
Q2 20251.51%
Q3 20251.50%
Q4 20251.51%
Q1 20261.59%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$691.8M12.73%0.00%1.61%68.9%
Q1 202685$668.0M12.67%0.00%1.59%72.6%
Q4 202584$660.2M12.54%0.00%1.51%72.6%
Q3 202584$642.7M12.52%0.00%1.50%76.1%
Q2 202583$628.1M12.32%0.00%1.51%76.6%
Q1 202578$623.8M11.85%0.06%1.18%76.8%
Q4 202477$619.5M11.55%0.06%1.10%77.2%
Q3 202474$616.3M11.43%0.23%1.02%78.2%
Q2 202474$605.2M11.22%0.11%0.99%80.2%

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).

Capital ratio12.73%
73rd
Total risk-based capital18.43%
82nd
Problem loans0.00%
94th
Net charge-offs-0.00%
76th
Return on assets1.61%
71st
Net interest margin3.85%
45th
Efficiency ratio48.0%
87th
Loans to deposits68.9%
71st
Uninsured deposits31.1%
25th
Loan-loss reserves1.54%
81st
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest BankBank Odessa, TX76 out of 100, Strong$693.7M11.3%0.34%vs
Capital BankBank Jacinto City, TX77 out of 100, Strong$689.7M10.8%0.01%vs
First State Bank of LivingstonBank Livingston, TX71 out of 100, Strong$689.3M15.5%1.93%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
TXN BankBank Hondo, TX64 out of 100, Moderate$669.2M9.7%0.98%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs

Deposit insurance

Is my money safe at Citizens National Bank?

Yes. Citizens National Bank is an FDIC-insured institution (FDIC certificate #3127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.1% of deposits ($187.8M) 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 12.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.43% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Citizens National Bank lists 11 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens National Bank
Former names
Citizens National Bank of Milam County; The Citizens National Bank of Cameron
Type
National bank
FDIC certificate #
3127
RSSD ID
59352
Primary regulator
OCC
Holding company
Central Texas Financial Corp
Established
July 1, 1900
Headquarters
118 S Houston Ave, Cameron, TX 76520
Employees
86

Quick answers

Citizens National Bank: common questions

Is Citizens National Bank FDIC insured?

Yes. Citizens National Bank is an FDIC-insured institution (FDIC certificate #3127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens National Bank's TellerScore?

86 out of 100 (Very 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 #3127 in the FDIC failed bank list.

How many branches does Citizens National Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cameron

InstitutionScoreAssetsCapitalProblem loansCompare
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
Rockdale Federal Credit UnionCredit union Rockdale, TX85 out of 100, Very strong$108.2M11.7%0.08%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Central National BankBank Waco, TX74 out of 100, Strong$1.5B9.9%0.11%vs
Incommons Bank, N.A.Bank Mexia, TX73 out of 100, Strong$277.6M10.2%0.41%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs