Citizens National Bank of Crosbyton is a national bank headquartered in Crosbyton, Texas, in business for about 119 years. At the end of Q2 2026 it reported $77.6M in total assets and $64.0M in deposits, with 1 office.
Citizens National Bank of Crosbyton has a TellerScore of 98 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 3rd. Capital cushion contributes the most (100/100, 16.81%); funding & liquidity contributes the least (87/100, 44% loans-to-deposits, 27% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (99 → 98).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 99 |
| Q3 2024 | 99 |
| Q4 2024 | 99 |
| Q1 2025 | 99 |
| Q2 2025 | 99 |
| Q3 2025 | 98 |
| Q4 2025 | 98 |
| Q1 2026 | 98 |
| Q2 2026 | 98 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.35% |
| Q3 2024 | 18.21% |
| Q4 2024 | 17.49% |
| Q1 2025 | 17.54% |
| Q2 2025 | 16.79% |
| Q3 2025 | 17.06% |
| Q4 2025 | 16.75% |
| Q1 2026 | 16.73% |
| Q2 2026 | 16.81% |
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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 | 2.88% |
| Q3 2024 | 3.10% |
| Q4 2024 | 2.81% |
| Q1 2025 | 2.38% |
| Q2 2025 | 2.22% |
| Q3 2025 | 2.36% |
| Q4 2025 | 2.14% |
| Q1 2026 | 2.29% |
| Q2 2026 | 2.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 98 | $77.6M | 16.81% | 0.00% | 2.16% | 43.6% |
| Q1 2026 | 98 | $77.9M | 16.73% | 0.00% | 2.29% | 36.2% |
| Q4 2025 | 98 | $77.2M | 16.75% | 0.00% | 2.14% | 40.9% |
| Q3 2025 | 98 | $74.2M | 17.06% | 0.00% | 2.36% | 39.3% |
| Q2 2025 | 99 | $73.3M | 16.79% | 0.00% | 2.22% | 33.5% |
| Q1 2025 | 99 | $69.7M | 17.54% | 0.00% | 2.38% | 33.3% |
| Q4 2024 | 99 | $69.2M | 17.49% | 0.00% | 2.81% | 29.8% |
| Q3 2024 | 99 | $66.1M | 18.21% | 0.00% | 3.10% | 35.4% |
| Q2 2024 | 99 | $64.9M | 17.35% | 0.00% | 2.88% | 33.3% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| First National Bank of South Padre IslandBank South Padre Island, TX | 84 out of 100, Strong | $78.2M | 14.1% | 1.24% | vs |
| Pavillion BankBank Richardson, TX | 84 out of 100, Strong | $78.4M | 15.5% | 0.00% | vs |
| Zavala County BankBank Crystal City, TX | 93 out of 100, Very strong | $79.0M | 15.7% | 0.03% | vs |
| The First National Bank in FalfurriasBank Falfurrias, TX | 79 out of 100, Strong | $79.4M | 9.8% | 0.08% | vs |
| The City National Bank of San SabaBank San Saba, TX | 81 out of 100, Strong | $80.0M | 12.0% | 0.00% | vs |
| Citizens State BankBank Anton, TX | 84 out of 100, Strong | $80.7M | 16.0% | 0.01% | vs |
Deposit insurance
Is my money safe at Citizens National Bank of Crosbyton?
Yes. Citizens National Bank of Crosbyton is an FDIC-insured institution (FDIC certificate #3158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.5% of deposits ($17.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.81%, 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 of Crosbyton lists 1 office in 1 city. Most locations:
- Crosbyton, TX (1)
Identity & history
Profile
- Legal name
- Citizens National Bank of Crosbyton
- Type
- National bank
- FDIC certificate #
- 3158
- RSSD ID
- 901451
- Primary regulator
- OCC
- Holding company
- Citizens Bancshares Inc
- Established
- January 1, 1907
- Headquarters
- 202 W Main St, Crosbyton, TX 79322
- Website
- www.cnbcrosbyton.com
- Employees
- 8
Quick answers
Citizens National Bank of Crosbyton: common questions
Is Citizens National Bank of Crosbyton FDIC insured?
Yes. Citizens National Bank of Crosbyton is an FDIC-insured institution (FDIC certificate #3158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens National Bank of Crosbyton's TellerScore?
98 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 of Crosbyton ever failed?
There is no failure record for FDIC certificate #3158 in the FDIC failed bank list.
How many branches does Citizens National Bank of Crosbyton have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Crosbyton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Caprock Santa Fe Credit UnionCredit union Slaton, TX | 85 out of 100, Very strong | $51.5M | 41.7% | 1.77% | vs |
| Texas Plains Federal Credit UnionCredit union Amarillo, TX | 77 out of 100, Strong | $71.2M | 14.3% | 0.78% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
| Spur Security BankBank Spur, TX | 77 out of 100, Strong | $140.6M | 12.4% | 0.00% | vs |
| Cornerstone Capital Bank, SSBBank Houston, TX | 32 out of 100, Low | $3.7B | 10.3% | 3.62% | vs |