Vitals
  • Total Assets
    1.7B 4.5 %
  • Total Deposits
    1.6B 4.2 %
  • Total Net Loans
    914.7M 15.7 %
  • Net Income
    12.8M 15.5 %
  • Book Value
    165.7M 5.7 %
  • Book Value x2
    331.4M 5.7 %
  • Book Value x3
    497.1M 5.7 %
ROAA

.761

ROAE

7.968

Efficiency Ratio

72.376

Net Interest Margin

3.562

Balance Sheet Highlights
Financial Highlights Citizens National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 1,737,912 358,087
Total Net Loans 914,677 213,533
Total Deposits 1,558,993 308,027
Total Equity 165,689 38,740
Profitability
Net Income 12,768 3,845
Return on Average Assets .761 1.025
Return on Average Equity 7.968 9.415
Net Interest Margin 3.562 3.773
Efficiency Ratio 72.376 66.762
Noninterest Income/Revenue 26.796 16.375
Balance Sheet Ratios
Loan-to-Deposit 58.671 65.494
Securities/Assets .367 .214
Total Equity/Total Assets .095 .108
Tangible Equity/Tangible Assets .077 .104
Capital Adequacy
Tier 1 Common Capital 140,178 37,278
Tier 1 Capital 140,178 37,303
Tier 2 Capital 9,912 2,526
Total Capital 150,090 39,866
Total Risk Weighted Assets 1,068,762 237,367
Leverage Ratio 8.35 10.563
Common Equity Tier 1 Capital Ratio 13.12 18.073
Tier 1 Capital Ratio 13.12 18.097
Total Capital Ratio 14.04 19.169

Timeline for Citizens National Bank

Kilgore National Bank

Acquisition: Citizens National Bank acquired a new subsidiary, Kilgore National Bank, 9 years

View Profile Nov 05 2016

The East Texas National Bank Of Palestine

Acquisition: Citizens National Bank acquired a new subsidiary, The East Texas National Bank Of Palestine, 12 years

View Profile Sep 28 2013

White Oak State Bank

Acquisition: Citizens National Bank acquired a new subsidiary, White Oak State Bank, 12 years

View Profile Feb 16 2013

Henderson Citizens Bancshares, Inc.

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

View Profile Apr 25 2008

Peoples State Bank

Acquisition: Citizens National Bank acquired a new subsidiary, Peoples State Bank, 24 years

View Profile Oct 26 2001

Want to see more?

Complete timeline for Citizens National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Kilgore National Bank Seller 85,036 Pooling of Interests Discontinued 11/5/2016
The East Texas National Bank Of Palestine Seller 164,999 Acquisition Discontinued 9/28/2013
White Oak State Bank Seller 96,706 Pooling of Interests Discontinued 2/16/2013
Peoples State Bank Seller 60,146 Pooling of Interests Discontinued 10/26/2001
Jefferson National Bank Seller 32,887 Pooling of Interests Discontinued 12/12/1998
First State Bank Seller 27,104 Pooling of Interests Discontinued 7/24/1998
Merchants State Bank Seller 23,894 Discontinued 1/1/1992
General Savings Association Seller 37,203 Failure 6/30/1990
Relationships Role Relationship Start Relationship End
Henderson Citizens Bancshares, Inc. Parent 4/25/2008
Henderson Citizens Delaware Bancshares, Inc. Parent 12/30/1995 4/24/2008
Enterprise Bancshares Parent 1/1/1992 12/29/1995
Henderson Citizens Delaware Bancshares, Inc. Parent 1/1/1992 12/29/1995
Henderson Citizens Delaware Bancshares, Inc. Parent 12/28/1991 12/31/1991
Hcb Insurance Agency, Inc. Subsidary 8/31/2012
Cnb Community Development Corporation Subsidary 6/30/2007
Hcb Insurance Agency, Inc. Subsidary 6/30/2007 8/30/2012
Hcb Insurance Agency, Inc. Subsidary 6/22/1999 6/29/2007
Cnb Community Development Corporation Subsidary 4/22/1994 6/29/2007
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