Citizens National Bank at Brownwood is a national bank headquartered in Brownwood, Texas, in business for about 92 years. At the end of Q2 2026 it reported $303.4M in total assets and $272.4M in deposits, with 2 offices.
Based on its Q2 2026 filing, Citizens National Bank at Brownwood scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 179th. Its strongest component is funding & liquidity (94/100; 40% loans-to-deposits, 21% uninsured), and its lowest is capital cushion (55/100; 10.47%).
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 2 points (76 → 74).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 78 |
| Q4 2025 | 70 |
| Q1 2026 | 68 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.32% |
| Q3 2024 | 10.21% |
| Q4 2024 | 10.62% |
| Q1 2025 | 10.42% |
| Q2 2025 | 10.62% |
| Q3 2025 | 10.54% |
| Q4 2025 | 10.33% |
| Q1 2026 | 10.28% |
| Q2 2026 | 10.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.52% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.39% |
| Q2 2026 | 0.74% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.72% |
| Q1 2025 | 1.42% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.61% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $303.4M | 10.47% | 0.74% | 1.47% | 39.9% |
| Q1 2026 | 68 | $296.0M | 10.28% | 1.39% | 1.39% | 41.3% |
| Q4 2025 | 70 | $306.1M | 10.33% | 1.14% | 1.49% | 36.7% |
| Q3 2025 | 78 | $297.8M | 10.54% | 0.52% | 1.61% | 40.4% |
| Q2 2025 | 76 | $290.8M | 10.62% | 0.73% | 1.53% | 42.4% |
| Q1 2025 | 74 | $288.0M | 10.42% | 0.78% | 1.42% | 40.6% |
| Q4 2024 | 69 | $283.3M | 10.62% | 0.80% | 0.72% | 40.2% |
| Q3 2024 | 69 | $288.5M | 10.21% | 0.68% | 0.67% | 44.6% |
| Q2 2024 | 68 | $293.2M | 10.32% | 0.73% | 0.63% | 41.3% |
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 |
|---|---|---|---|---|---|
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Freedom BankBank Alamo, TX | 80 out of 100, Strong | $301.2M | 12.2% | 0.17% | vs |
| Llano National BankBank Llano, TX | 80 out of 100, Strong | $301.1M | 13.1% | 0.45% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| First State BankBank Graham, TX | 81 out of 100, Strong | $308.8M | 10.1% | 0.00% | vs |
| The Pecos County State BankBank Fort Stockton, TX | 73 out of 100, Strong | $309.4M | 11.6% | 0.98% | vs |
Deposit insurance
Is my money safe at Citizens National Bank at Brownwood?
Yes. Citizens National Bank at Brownwood is an FDIC-insured institution (FDIC certificate #14779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.8% of deposits ($56.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.47%, 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%).
2 locations
Branches
Citizens National Bank at Brownwood lists 2 offices in 1 city. Most locations:
- Brownwood, TX (2)
Identity & history
Profile
- Legal name
- Citizens National Bank at Brownwood
- Type
- National bank
- FDIC certificate #
- 14779
- RSSD ID
- 233358
- Primary regulator
- OCC
- Holding company
- Brownwood Bancshares Inc
- Established
- September 28, 1934
- Headquarters
- 1 Carnegie St, Brownwood, TX 76801
- Website
- www.cnb-brownwood.com
- Employees
- 43
Quick answers
Citizens National Bank at Brownwood: common questions
Is Citizens National Bank at Brownwood FDIC insured?
Yes. Citizens National Bank at Brownwood is an FDIC-insured institution (FDIC certificate #14779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens National Bank at Brownwood's TellerScore?
74 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 at Brownwood ever failed?
There is no failure record for FDIC certificate #14779 in the FDIC failed bank list.
How many branches does Citizens National Bank at Brownwood have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brownwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank De Leon, TX | 85 out of 100, Very strong | $269.8M | 12.0% | 0.00% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
| Coleman County State BankBank Coleman, TX | 78 out of 100, Strong | $295.1M | 8.6% | 0.05% | vs |
| First Central Credit UnionCredit union Waco, TX | 76 out of 100, Strong | $191.7M | 16.4% | 1.95% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| Western BankBank Lubbock, TX | 71 out of 100, Strong | $947.2M | 9.8% | 0.31% | vs |