Headquartered in Waxahachie, Texas, Citizens National Bank of Texas is a national bank with $2.2B in total assets and $1.9B in deposits as of Q2 2026. It operates 12 offices across 2 states. Its charter dates back to 1868.
Citizens National Bank of Texas has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 220th. Earnings contributes the most (100/100, 2.49%); funding & liquidity contributes the least (47/100, 101% loans-to-deposits, 26% 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
From Q2 2025 to Q2 2026, the score fell 4 points (74 → 70), mostly because the loan quality component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 73 |
| Q4 2024 | 75 |
| Q1 2025 | 79 |
| Q2 2025 | 74 |
| Q3 2025 | 72 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 11.04% |
| Q4 2024 | 11.33% |
| Q1 2025 | 11.64% |
| Q2 2025 | 12.18% |
| Q3 2025 | 11.76% |
| Q4 2025 | 12.33% |
| Q1 2026 | 12.18% |
| Q2 2026 | 12.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.65% |
| Q2 2026 | 1.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.91% |
| Q2 2025 | 2.43% |
| Q3 2025 | 2.12% |
| Q4 2025 | 2.10% |
| Q1 2026 | 2.16% |
| Q2 2026 | 2.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $2.2B | 12.20% | 1.42% | 2.49% | 101.2% |
| Q1 2026 | 77 | $2.1B | 12.18% | 0.65% | 2.16% | 104.6% |
| Q4 2025 | 76 | $2.1B | 12.33% | 0.87% | 2.10% | 101.1% |
| Q3 2025 | 72 | $2.0B | 11.76% | 1.04% | 2.12% | 96.5% |
| Q2 2025 | 74 | $2.0B | 12.18% | 0.99% | 2.43% | 98.1% |
| Q1 2025 | 79 | $1.9B | 11.64% | 0.17% | 1.91% | 98.4% |
| Q4 2024 | 75 | $1.9B | 11.33% | 0.31% | 1.59% | 95.6% |
| Q3 2024 | 73 | $1.9B | 11.04% | 0.24% | 1.36% | 91.5% |
| Q2 2024 | 76 | $1.9B | 11.47% | 0.25% | 1.46% | 88.9% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Security State Bank & TrustBank Fredericksburg, TX | 66 out of 100, Moderate | $2.2B | 12.6% | 2.22% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Golden Bank, National AssociationBank Houston, TX | 66 out of 100, Moderate | $2.3B | 13.7% | 2.16% | vs |
| Texas First BankBank Texas City, TX | 75 out of 100, Strong | $2.3B | 10.0% | 0.17% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
Deposit insurance
Is my money safe at Citizens National Bank of Texas?
Yes. Citizens National Bank of Texas is an FDIC-insured institution (FDIC certificate #5574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($485.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.75% (benchmark: 10%).
12 locations
Branches
Citizens National Bank of Texas lists 11 offices in 9 cities across 2 states. Most locations:
- Waxahachie, TX (3)
- Burleson, TX (1)
- Cedar Hill, TX (1)
- Cleburne, TX (1)
- Ennis, TX (1)
- Midlothian, TX (1)
- Red Oak, TX (1)
- Stephenville, TX (1)
- Tahoe City, CA (1)
HMDA 2025
Mortgage lending
In 2025, Citizens National Bank of Texas reported 169 home-loan applications under HMDA (LEI 549300PV2KIL739QYQ35): 115 originated ($91,045,000 total), 18 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens National Bank of Texas
- Former names
- Citizens National Bank in Waxahachie
- Type
- National bank
- FDIC certificate #
- 5574
- RSSD ID
- 552161
- Primary regulator
- OCC
- Holding company
- First Citizens Bancshares Inc
- Established
- July 1, 1868
- Headquarters
- 200 N Elm St, Waxahachie, TX 75165
- Website
- www.cnboftexas.com
- Employees
- 161
Quick answers
Citizens National Bank of Texas: common questions
Is Citizens National Bank of Texas FDIC insured?
Yes. Citizens National Bank of Texas is an FDIC-insured institution (FDIC certificate #5574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens National Bank of Texas's TellerScore?
70 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 of Texas ever failed?
There is no failure record for FDIC certificate #5574 in the FDIC failed bank list.
How many branches does Citizens National Bank of Texas have?
12 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Waxahachie
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX | 97 out of 100, Very strong | $18.5M | 20.1% | 0.00% | vs |
| Centex Citizens Credit UnionCredit union Mexia, TX | 89 out of 100, Very strong | $118.9M | 17.2% | 0.44% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| Allied Federal Credit UnionCredit union Arlington, TX | 88 out of 100, Very strong | $137.6M | 12.2% | 0.23% | vs |
| Dallas U.P. Employees Credit UnionCredit union Dallas, TX | 81 out of 100, Strong | $27.2M | 24.3% | 1.54% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |