The City National Bank of Sulphur Springs
Sulphur Springs, Texas, Hopkins County
$1.4B in total assets, the 820th largest of 4,309 US banks and 73rd of 352 headquartered in Texas.
- FDIC certificate
- 5544
- Established
- 1889
- Owned by
- Sulphur Springs Bancshares Inc
- Primary regulator
- OCC
- Website
- www.bankatcnb.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 23% | $2.2B | |
| Loans | $962M | 31% | $1.3B | |
| Deposits | $1.2B | 31% | $1.8B | |
| Return on assets | 2.20% | 96% | 1.53% | |
| Net interest margin | 4.80% | 91% | 3.95% | |
| Efficiency ratio | 53.9% | 35% | 57.5% | |
| Equity to assets | 9.65% | 34% | 10.77% | |
| Loans to deposits | 78% | 46% | 80% |
Growth
Total assets grew 4.9% a year over the last 5 years and 11.4% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2021 | The Morris County National Bank of Naples Naples, TX | $89M |
| Oct 2016 | Citizens National Bank of Wills Point Wills Point, TX | $152M |
| Mar 2011 | The First National Bank of Mineola Mineola, TX | $28M |
| Feb 2004 | The First State Bank Hawkins, TX | $37M |
| Dec 1998 | First National Bank of Sulphur Springs Sulphur Springs, TX | $23M |
Where they operate
17 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Wood County, TX | $398M | 34.4% | 1 of 8 |
| Hopkins County, TX | $374M | 29.8% | 2 of 7 |
| Van Zandt County, TX | $281M | 24.5% | 1 of 8 |
| Morris County, TX | $43M | 14.2% | 3 of 5 |
| Rains County, TX | $42M | 15.2% | 3 of 4 |
| Cass County, TX | $37M | 9.5% | 5 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (8 to 17, +112.5%). 4 opened, 5 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2016 | Acquired Citizens National Bank of Wills PointOpened Emory | 4 | 0 | +4 | 12 |
| 2018 | Opened Gladewater | 1 | 0 | +1 | 13 |
| 2021 | Acquired The Morris County National Bank of NaplesOpened Pittsburg | 3 | 0 | +3 | 16 |
| 2023 | Opened Atlanta | 1 | 0 | +1 | 17 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 35% | 20% | |
| Commercial real estate | 24% | 39% | |
| Farmland | 12% | 3% | |
| Construction and land | 11% | 13% | |
| Business (C&I) | 7% | 15% | |
| Consumer | 4% | 2% | |
| Multifamily | 4% | 3% | |
| Agricultural | 3% | 1% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 48% | |
| Noninterest-bearing | 32% | 26% | |
| Time deposits | 29% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.15% | 0.46% |
| Net charge-offs, annualized | -0.09% | 0.04% |
| Reserves to loans | 1.48% | 1.20% |
| Leverage ratio | 9.78% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Wood County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/city-national-bank-sulphur-springs-tx