Vitals
  • Total Assets
    414.8M -2.1 %
  • Total Deposits
    372.5M -1.5 %
  • Total Net Loans
    180.7M 7.8 %
  • Net Income
    3.7M 7.7 %
  • Book Value
    41.8M 2.8 %
  • Book Value x2
    83.6M 2.8 %
  • Book Value x3
    125.4M 2.8 %
ROAA

.882

ROAE

8.612

Efficiency Ratio

65.008

Net Interest Margin

2.966

Balance Sheet Highlights
Financial Highlights Citizens National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 414,833 358,087
Total Net Loans 180,675 213,533
Total Deposits 372,477 308,027
Total Equity 41,804 38,740
Profitability
Net Income 3,694 3,845
Return on Average Assets .882 1.025
Return on Average Equity 8.612 9.415
Net Interest Margin 2.966 3.773
Efficiency Ratio 65.008 66.762
Noninterest Income/Revenue 11.307 16.375
Balance Sheet Ratios
Loan-to-Deposit 48.506 65.494
Securities/Assets .467 .214
Total Equity/Total Assets .101 .108
Tangible Equity/Tangible Assets .1 .104
Capital Adequacy
Tier 1 Common Capital 44,269 37,278
Tier 1 Capital 44,269 37,303
Tier 2 Capital 3,073 2,526
Total Capital 47,342 39,866
Total Risk Weighted Assets 245,245 237,367
Leverage Ratio 10.85 10.563
Common Equity Tier 1 Capital Ratio 18.05 18.073
Tier 1 Capital Ratio 18.05 18.097
Total Capital Ratio 19.3 19.169

Timeline for Citizens National Bank

Central Texas Financial Corp.

Central Texas Financial Corp. became a new parent organization for Citizens National Bank.

View Profile Jul 01 2008

Milam Financial Corporation

Milam Financial Corporation became a new parent organization for Citizens National Bank.

View Profile Nov 08 2002

Community Bank And Trust

Acquisition: Citizens National Bank acquired a new subsidiary, Community Bank And Trust, 35 years

View Profile Sep 23 1988

Citizens National Bank

Citizens National Bank was established 123 years ago and is currently headquartered in Cameron, TX.

Jul 01 1900
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Community Bank And Trust Seller 14,945 Failure 9/23/1988
Relationships Role Relationship Start Relationship End
Central Texas Financial Corp. Parent 7/1/2008
Milam Financial Corporation Parent 11/8/2002 6/30/2008
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