TellerScore

Headquartered in Corsicana, Texas, City National Bank is a national bank with $62.0M in total assets and $52.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1983.

Based on its Q2 2026 filing, City National Bank scores 54/100, which we describe as below average. That is higher than only 13% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 319th. Its strongest component is capital cushion (85/100; 13.54%), and its lowest is loan quality (12/100; 2.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.54%
Loan quality12/100
Noncurrent loans ÷ total loans: 2.65%
Earnings35/100
Return on assets (annualized): 0.36%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 80.6% · 21.7% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.12%

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 22 points (76 → 54), mostly because the loan quality component weakened by 88 points.

TellerScore
547493Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202469
Q1 202574
Q2 202576
Q3 202576
Q4 202593
Q1 202676
Q2 202654
Tier 1 leverage ratio
5.00%9.43%13.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.51%
Q3 202410.82%
Q4 202410.92%
Q1 202511.84%
Q2 202512.01%
Q3 202512.06%
Q4 202513.85%
Q1 202612.99%
Q2 202613.54%
Noncurrent loans
0.00%1.33%2.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.08%
Q4 20250.05%
Q1 20260.27%
Q2 20262.65%
Return on assets
0.08%1.18%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.08%
Q4 20240.18%
Q1 20250.42%
Q2 20250.49%
Q3 20250.59%
Q4 20252.28%
Q1 20260.54%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$62.0M13.54%2.65%0.36%80.6%
Q1 202676$63.3M12.99%0.27%0.54%75.9%
Q4 202593$65.8M13.85%0.05%2.28%74.1%
Q3 202576$62.9M12.06%0.08%0.59%76.7%
Q2 202576$61.9M12.01%0.00%0.49%77.5%
Q1 202574$63.2M11.84%0.00%0.42%81.0%
Q4 202469$63.0M10.92%0.00%0.18%80.7%
Q3 202468$68.4M10.82%0.00%0.08%79.5%
Q2 202470$66.6M11.51%0.06%0.08%82.1%

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).

Capital ratio13.54%
58th
Total risk-based capital24.34%
81st
Problem loans2.65%
14th
Net charge-offs-0.00%
82nd
Return on assets0.36%
24th
Net interest margin3.94%
53rd
Efficiency ratio91.2%
17th
Loans to deposits80.6%
28th
Uninsured deposits21.7%
29th
Loan-loss reserves1.37%
63rd
Texas ratio13.1%
13th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Commerce Bank TexasBank Stockdale, TX51 out of 100, Below average$60.6M12.7%2.64%vs
Kress National BankBank Kress, TX76 out of 100, Strong$63.7M9.6%0.00%vs
Producer Bank of TexasBank Powell, TX73 out of 100, Strong$58.7M18.6%0.58%vs
First State BankBank Junction, TX78 out of 100, Strong$58.2M10.6%0.37%vs
Crowell State BankBank Crowell, TX79 out of 100, Strong$57.5M11.0%0.89%vs
The First National Bank in CooperBank Cooper, TX72 out of 100, Strong$57.3M13.1%1.44%vs

Deposit insurance

Is my money safe at City National Bank?

Yes. City National Bank is an FDIC-insured institution (FDIC certificate #24367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.7% of deposits ($11.4M) 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 13.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.34% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

City National Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
City National Bank
Type
National bank
FDIC certificate #
24367
RSSD ID
697950
Primary regulator
OCC
Holding company
City Bancshares Inc
Established
February 28, 1983
Headquarters
1465 W 2nd Ave, Corsicana, TX 75110
Employees
14

Quick answers

City National Bank: common questions

Is City National Bank FDIC insured?

Yes. City National Bank is an FDIC-insured institution (FDIC certificate #24367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is City National Bank's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has City National Bank ever failed?

There is no failure record for FDIC certificate #24367 in the FDIC failed bank list.

How many branches does City National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Corsicana

InstitutionScoreAssetsCapitalProblem loansCompare
Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX97 out of 100, Very strong$18.5M20.1%0.00%vs
Centex Citizens Credit UnionCredit union Mexia, TX89 out of 100, Very strong$118.9M17.2%0.44%vs
Community National Bank & Trust of TexasBank Corsicana, TX76 out of 100, Strong$1.7B10.6%0.09%vs
Harmony BankBank Dallas, TX75 out of 100, Strong$855.3M11.9%0.02%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs
First State BankBank Athens, TX74 out of 100, Strong$761.7M11.4%0.80%vs