Vitals
  • Total Assets
    206.0M -1.0 %
  • Total Deposits
    179.5M -1.7 %
  • Total Net Loans
    117.1M 1.0 %
  • Net Income
    3.0M -5.5 %
  • Book Value
    25.3M 4.0 %
  • Book Value x2
    50.6M 4.0 %
  • Book Value x3
    75.9M 4.0 %
ROAA

1.45

ROAE

11.83

Efficiency Ratio

52.201

Net Interest Margin

3.893

Balance Sheet Highlights
Financial Highlights Citizens National Bank At Brownwood All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 205,960 358,087
Total Net Loans 117,102 213,533
Total Deposits 179,479 308,027
Total Equity 25,315 38,740
Profitability
Net Income 2,988 3,845
Return on Average Assets 1.45 1.025
Return on Average Equity 11.83 9.415
Net Interest Margin 3.893 3.773
Efficiency Ratio 52.201 66.762
Noninterest Income/Revenue 16.483 16.375
Balance Sheet Ratios
Loan-to-Deposit 65.246 65.494
Securities/Assets .328 .214
Total Equity/Total Assets .123 .108
Tangible Equity/Tangible Assets .121 .104
Capital Adequacy
Tier 1 Common Capital 25,484 37,278
Tier 1 Capital 25,484 37,303
Tier 2 Capital 1,634 2,526
Total Capital 27,118 39,866
Total Risk Weighted Assets 131,181 237,367
Leverage Ratio 12.35 10.563
Common Equity Tier 1 Capital Ratio 19.43 18.073
Tier 1 Capital Ratio 19.43 18.097
Total Capital Ratio 20.67 19.169

Timeline for Citizens National Bank At Brownwood

Citizens Financial Corporation Of Brownwood, Inc.

Citizens Financial Corporation Of Brownwood, Inc. became a new parent organization for Citizens National Bank At Brownwood.

View Profile Jan 01 1999

Brownwood Bancshares, Inc.

Brownwood Bancshares, Inc. became a new parent organization for Citizens National Bank At Brownwood.

View Profile Nov 17 1978

Citizens National Bank At Brownwood

Citizens National Bank At Brownwood was established 90 years ago and is currently headquartered in Brownwood, TX.

Sep 28 1934
Relationships Role Relationship Start Relationship End
Brownwood Bancshares, Inc. Parent 12/31/2009
Citizens Financial Corporation Of Brownwood, Inc. Parent 1/1/1999 12/30/2009
Brownwood Bancshares, Inc. Parent 12/12/1996 12/31/1998
Brownwood Bancshares, Inc. Parent 12/31/1984 12/11/1996
Brownwood Bancshares, Inc. Parent 12/31/1981 12/30/1984
Brownwood Bancshares, Inc. Parent 11/17/1978 12/30/1981
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