Vitals
  • Total Assets
    627.3M 34.8 %
  • Total Deposits
    553.0M 33.8 %
  • Total Net Loans
    424.0M 26.1 %
  • Net Income
    8.9M 10.0 %
  • Book Value
    69.7M 48.4 %
  • Book Value x2
    139.4M 48.4 %
  • Book Value x3
    209.1M 48.4 %
ROAA

1.411

ROAE

12.762

Efficiency Ratio

66.868

Net Interest Margin

3.655

Balance Sheet Highlights
Financial Highlights The City National Bank Of Sulphur Springs All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 627,298 358,087
Total Net Loans 423,959 213,533
Total Deposits 552,971 308,027
Total Equity 69,693 38,740
Profitability
Net Income 8,894 3,845
Return on Average Assets 1.411 1.025
Return on Average Equity 12.762 9.415
Net Interest Margin 3.655 3.773
Efficiency Ratio 66.868 66.762
Noninterest Income/Revenue 22.778 16.375
Balance Sheet Ratios
Loan-to-Deposit 76.669 65.494
Securities/Assets .19 .214
Total Equity/Total Assets .111 .108
Tangible Equity/Tangible Assets .091 .104
Capital Adequacy
Tier 1 Common Capital 59,649 37,278
Tier 1 Capital 59,649 37,303
Tier 2 Capital 5,082 2,526
Total Capital 64,731 39,866
Total Risk Weighted Assets 431,726 237,367
Leverage Ratio 9.63 10.563
Common Equity Tier 1 Capital Ratio 13.82 18.073
Tier 1 Capital Ratio 13.82 18.097
Total Capital Ratio 14.99 19.169

Timeline for The City National Bank Of Sulphur Springs

Citizens National Bank Of Wills Point

Acquisition: The City National Bank Of Sulphur Springs acquired a new subsidiary, Citizens National Bank Of Wills Point, 8 years

View Profile Oct 01 2016

The First National Bank Of Mineola

Acquisition: The City National Bank Of Sulphur Springs acquired a new subsidiary, The First National Bank Of Mineola, 13 years

View Profile Mar 12 2011

The First State Bank

Acquisition: The City National Bank Of Sulphur Springs acquired a new subsidiary, The First State Bank, 20 years

View Profile Feb 27 2004

First National Bank Of Sulphur Springs

Acquisition: The City National Bank Of Sulphur Springs acquired a new subsidiary, First National Bank Of Sulphur Springs, 25 years

View Profile Jan 01 1999

Sulphur Springs Delaware Financial Corporation

Sulphur Springs Delaware Financial Corporation became a new parent organization for The City National Bank Of Sulphur Springs.

View Profile Feb 25 1995

Want to see more?

Complete timeline for The City National Bank Of Sulphur Springs is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens National Bank Of Wills Point Seller 152,093 Acquisition Discontinued 10/1/2016
The First National Bank Of Mineola Seller 27,730 Acquisition Discontinued 3/12/2011
The First State Bank Seller 36,849 Acquisition Discontinued 2/27/2004
First National Bank Of Sulphur Springs Seller 23,173 Acquisition Discontinued 1/1/1999
Relationships Role Relationship Start Relationship End
Sulphur Springs Bancshares, Inc. Parent 1/1/2008
Sulphur Springs Delaware Financial Corporation Parent 2/25/1995 12/31/2007
Sulphur Springs Bancshares, Inc. Parent 12/9/1985 2/24/1995
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