TellerScore

The City National Bank of Taylor (FDIC certificate #5548) is based in Taylor, Texas. Its Q2 2026 call report shows $250.3M in total assets and $220.8M in deposits and 1 office.

Based on its Q2 2026 filing, The City National Bank of Taylor scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 69th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (71/100; 1.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.90%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.38%
Earnings71/100
Return on assets (annualized): 1.26%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 67.3% · 25.1% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.89%

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 (83 → 82).

TellerScore
687785Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202474
Q4 202478
Q1 202584
Q2 202583
Q3 202584
Q4 202585
Q1 202682
Q2 202682
Tier 1 leverage ratio
5.00%9.23%13.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.43%
Q3 202412.80%
Q4 202412.65%
Q1 202512.94%
Q2 202513.17%
Q3 202513.45%
Q4 202513.00%
Q1 202613.03%
Q2 202612.90%
Noncurrent loans
0.38%0.59%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.79%
Q3 20240.70%
Q4 20240.64%
Q1 20250.47%
Q2 20250.68%
Q3 20250.58%
Q4 20250.40%
Q1 20260.38%
Q2 20260.38%
Return on assets
0.11%0.88%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.11%
Q3 20240.68%
Q4 20241.04%
Q1 20251.63%
Q2 20251.61%
Q3 20251.61%
Q4 20251.65%
Q1 20261.28%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$250.3M12.90%0.38%1.26%67.3%
Q1 202682$246.4M13.03%0.38%1.28%68.4%
Q4 202585$239.4M13.00%0.40%1.65%70.3%
Q3 202584$237.8M13.45%0.58%1.61%70.4%
Q2 202583$237.4M13.17%0.68%1.61%69.0%
Q1 202584$241.6M12.94%0.47%1.63%67.3%
Q4 202478$239.5M12.65%0.64%1.04%67.2%
Q3 202474$245.4M12.80%0.70%0.68%65.5%
Q2 202468$240.2M12.43%0.79%0.11%66.6%

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 ratio12.90%
74th
Total risk-based capital0.00%
24th
Problem loans0.38%
52nd
Net charge-offs0.03%
36th
Return on assets1.26%
51st
Net interest margin4.08%
58th
Efficiency ratio73.1%
24th
Loans to deposits67.3%
74th
Uninsured deposits25.1%
46th
Loan-loss reserves1.08%
36th
Texas ratio1.9%
59th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Bridge City State BankBank Bridge City, TX76 out of 100, Strong$246.8M11.7%0.08%vs
Cendera BankBank Bells, TX64 out of 100, Moderate$257.6M11.3%0.37%vs
National Bank & TrustBank La Grange, TX72 out of 100, Strong$242.0M10.8%0.17%vs
First Texas BankBank Lampasas, TX81 out of 100, Strong$259.7M10.1%0.00%vs
The First National Bank of Sterling CityBank Sterling City, TX82 out of 100, Strong$240.1M11.6%0.00%vs

Deposit insurance

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

Yes. The City National Bank of Taylor is an FDIC-insured institution (FDIC certificate #5548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($55.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.90%, 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

1 location

Branches

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The City National Bank of Taylor reported 70 home-loan applications under HMDA (LEI 549300PHUZ7U5WPH7Z38): 68 originated ($18,310,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.4%, 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 Taylor
Type
National bank
FDIC certificate #
5548
RSSD ID
181963
Primary regulator
OCC
Holding company
Cnb Financial Corp Inc
Established
January 1, 1900
Headquarters
116 W 3rd St, Taylor, TX 76574
Employees
39

Quick answers

The City National Bank of Taylor: common questions

Is The City National Bank of Taylor FDIC insured?

Yes. The City National Bank of Taylor is an FDIC-insured institution (FDIC certificate #5548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The City National Bank of Taylor's TellerScore?

82 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 Taylor ever failed?

There is no failure record for FDIC certificate #5548 in the FDIC failed bank list.

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

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Taylor

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Rockdale Federal Credit UnionCredit union Rockdale, TX85 out of 100, Very strong$108.2M11.7%0.08%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs