TellerScore

The City National Bank of Colorado City is a national bank headquartered in Colorado City, Texas, in business for about 126 years. At the end of Q2 2026 it reported $452.4M in total assets and $396.0M in deposits, with 4 offices.

Based on its Q2 2026 filing, The City National Bank of Colorado City 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 178th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (60/100; 10.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.97%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 73.5% · 38.0% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.51%

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 5 points (69 → 74), mostly because the earnings component improved by 13 points.

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202468
Q4 202469
Q1 202565
Q2 202569
Q3 202568
Q4 202571
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%8.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.38%
Q3 202410.75%
Q4 202410.66%
Q1 202510.56%
Q2 202510.72%
Q3 202511.10%
Q4 202511.26%
Q1 202610.73%
Q2 202610.97%
Noncurrent loans
0.20%0.34%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.32%
Q3 20240.34%
Q4 20240.30%
Q1 20250.47%
Q2 20250.20%
Q3 20250.31%
Q4 20250.29%
Q1 20260.28%
Q2 20260.26%
Return on assets
0.61%0.93%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.84%
Q3 20240.96%
Q4 20240.96%
Q1 20250.77%
Q2 20250.93%
Q3 20250.61%
Q4 20250.85%
Q1 20261.19%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$452.4M10.97%0.26%1.24%73.5%
Q1 202672$444.3M10.73%0.28%1.19%75.0%
Q4 202571$444.7M11.26%0.29%0.85%75.2%
Q3 202568$427.3M11.10%0.31%0.61%74.2%
Q2 202569$292.1M10.72%0.20%0.93%82.9%
Q1 202565$299.1M10.56%0.47%0.77%83.5%
Q4 202469$295.3M10.66%0.30%0.96%83.8%
Q3 202468$284.8M10.75%0.34%0.96%83.9%
Q2 202467$279.1M10.38%0.32%0.84%81.3%

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).

Capital ratio10.97%
50th
Total risk-based capital0.00%
24th
Problem loans0.26%
60th
Net charge-offs0.00%
59th
Return on assets1.24%
50th
Net interest margin4.17%
64th
Efficiency ratio58.2%
62nd
Loans to deposits73.5%
63rd
Uninsured deposits38.0%
13th
Loan-loss reserves1.60%
84th
Texas ratio1.5%
63rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Liberty National Bank in ParisBank Paris, TX75 out of 100, Strong$452.1M12.8%0.88%vs
Trinity Capital Bank of TexasBank Ennis, TX69 out of 100, Moderate$456.6M9.6%0.33%vs
Shelby Savings Bank, SSBBank Center, TX69 out of 100, Moderate$457.4M11.1%1.05%vs
West Texas State BankBank Snyder, TX60 out of 100, Moderate$443.7M10.5%1.77%vs
Broadstreet Bank S S BBank Mineola, TX70 out of 100, Strong$442.8M12.1%0.44%vs
The First National Bank of LivingstonBank Livingston, TX98 out of 100, Very strong$467.2M15.5%0.05%vs

Deposit insurance

Is my money safe at The City National Bank of Colorado City?

Yes. The City National Bank of Colorado City is an FDIC-insured institution (FDIC certificate #3144). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.0% of deposits ($150.4M) 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 10.97%, 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%).

Check how much of your own balance is covered

4 locations

Branches

The City National Bank of Colorado City lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The City National Bank of Colorado City
Former names
The City National Bank of Colorado
Type
National bank
FDIC certificate #
3144
RSSD ID
799854
Primary regulator
OCC
Holding company
City National Bancshares Inc
Established
January 1, 1900
Headquarters
228 Elm St, Colorado City, TX 79512
Employees
58

Quick answers

The City National Bank of Colorado City: common questions

Is The City National Bank of Colorado City FDIC insured?

Yes. The City National Bank of Colorado City is an FDIC-insured institution (FDIC certificate #3144). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The City National Bank of Colorado City'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 The City National Bank of Colorado City ever failed?

There is no failure record for FDIC certificate #3144 in the FDIC failed bank list.

How many branches does The City National Bank of Colorado City have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Colorado City

InstitutionScoreAssetsCapitalProblem loansCompare
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
Lone Oak Bank, National AssociationBank Eldorado, TX67 out of 100, Moderate$119.6M15.3%3.08%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs
Cornerstone Capital Bank, SSBBank Houston, TX32 out of 100, Low$3.7B10.3%3.62%vs