TellerScore

The City National Bank of Sulphur Springs (FDIC certificate #5544) is based in Sulphur Springs, Texas. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 17 offices.

Based on its Q2 2026 filing, The City National Bank of Sulphur Springs scores 78/100, which we describe as strong. That is higher than 86% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 114th. Its strongest component is earnings (100/100; 2.28%), and its lowest is capital cushion (48/100; 9.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.78%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings100/100
Return on assets (annualized): 2.28%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 77.0% · 27.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.01%

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 8 points (70 → 78), mostly because the loan quality component improved by 23 points.

TellerScore
667379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202466
Q1 202568
Q2 202570
Q3 202573
Q4 202574
Q1 202679
Q2 202678
Tier 1 leverage ratio
5.00%7.44%9.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.59%
Q3 20249.42%
Q4 20249.34%
Q1 20259.65%
Q2 20259.68%
Q3 20259.87%
Q4 20259.86%
Q1 20269.86%
Q2 20269.78%
Noncurrent loans
0.11%0.55%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.00%
Q3 20240.99%
Q4 20240.89%
Q1 20250.89%
Q2 20250.83%
Q3 20250.79%
Q4 20250.64%
Q1 20260.11%
Q2 20260.15%
Return on assets
1.63%1.97%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.70%
Q4 20241.63%
Q1 20251.72%
Q2 20251.79%
Q3 20251.94%
Q4 20251.96%
Q1 20262.32%
Q2 20262.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$1.4B9.78%0.15%2.28%77.0%
Q1 202679$1.4B9.86%0.11%2.32%75.6%
Q4 202574$1.4B9.86%0.64%1.96%76.1%
Q3 202573$1.3B9.87%0.79%1.94%74.9%
Q2 202570$1.3B9.68%0.83%1.79%74.4%
Q1 202568$1.3B9.65%0.89%1.72%76.4%
Q4 202466$1.3B9.34%0.89%1.63%76.2%
Q3 202466$1.3B9.42%0.99%1.70%78.8%
Q2 202466$1.3B9.59%1.00%1.63%79.3%

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).

Capital ratio9.78%
31st
Total risk-based capital15.00%
67th
Problem loans0.15%
81st
Net charge-offs-0.09%
99th
Return on assets2.28%
94th
Net interest margin4.80%
92nd
Efficiency ratio53.9%
65th
Loans to deposits77.0%
74th
Uninsured deposits27.2%
62nd
Loan-loss reserves1.48%
85th
Texas ratio1.0%
83rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Security BankBank Dallas, TX63 out of 100, Moderate$1.4B9.6%0.41%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Wallis BankBank Wallis, TX58 out of 100, Moderate$1.4B10.1%1.43%vs
Alliance BankBank Sulphur Springs, TX68 out of 100, Moderate$1.4B10.4%0.55%vs
Southwestern National BankBank Houston, TX73 out of 100, Strong$1.4B12.4%0.42%vs
Central BankBank Houston, TX70 out of 100, Strong$1.4B10.1%0.54%vs

Deposit insurance

Is my money safe at The City National Bank of Sulphur Springs?

Yes. The City National Bank of Sulphur Springs is an FDIC-insured institution (FDIC certificate #5544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.2% of deposits ($335.4M) 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 9.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.00% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

The City National Bank of Sulphur Springs lists 17 offices in 15 cities. Most locations:

  • Hawkins, TX (2)
  • Sulphur Springs, TX (2)
  • Atlanta, TX (1)
  • Canton, TX (1)
  • Emory, TX (1)
  • Gladewater, TX (1)
  • Grand Saline, TX (1)
  • Mineola, TX (1)
  • Naples, TX (1)
  • Pittsburg, TX (1)
  • Queen City, TX (1)
  • Quitman, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The City National Bank of Sulphur Springs reported 439 home-loan applications under HMDA (LEI 254900M1AHTCIYKM7V90): 343 originated ($99,305,000 total), 55 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.8%, 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
The City National Bank of Sulphur Springs
Type
National bank
FDIC certificate #
5544
RSSD ID
596062
Primary regulator
OCC
Holding company
Sulphur Springs Bancshares Inc
Established
January 1, 1889
Headquarters
201 Connally St, Sulphur Springs, TX 75482
Employees
250

Quick answers

The City National Bank of Sulphur Springs: common questions

Is The City National Bank of Sulphur Springs FDIC insured?

Yes. The City National Bank of Sulphur Springs is an FDIC-insured institution (FDIC certificate #5544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The City National Bank of Sulphur Springs's TellerScore?

78 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 Sulphur Springs ever failed?

There is no failure record for FDIC certificate #5544 in the FDIC failed bank list.

How many branches does The City National Bank of Sulphur Springs have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sulphur Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Yantis Federal Credit UnionCredit union Yantis, TX82 out of 100, Strong$26.8M13.4%0.01%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
The First National Bank in CooperBank Cooper, TX72 out of 100, Strong$57.3M13.1%1.44%vs