Citizens National Bank of Texas
Waxahachie, Texas, Ellis County
$2.2B in total assets, the 580th largest of 4,309 US banks and 53rd of 352 headquartered in Texas.
- FDIC certificate
- 5574
- Established
- 1868
- Owned by
- First Citizens Bancshares Inc
- Primary regulator
- OCC
- Website
- www.cnboftexas.com
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 | $2.2B | 49% | $2.2B | |
| Loans | $1.9B | 71% | $1.3B | |
| Deposits | $1.9B | 52% | $1.7B | |
| Return on assets | 2.15% | 88% | 1.53% | |
| Net interest margin | 5.39% | 98% | 3.95% | |
| Efficiency ratio | 45.9% | 17% | 57.5% | |
| Equity to assets | 12.01% | 70% | 10.59% | |
| Loans to deposits | 102% | 97% | 80% |
Growth
Total assets grew 4.3% a year over the last 5 years and 10.9% a year over 10 years, without acquisitions.
Where they operate
12 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Ellis County, TX | $1.5B | 38.1% | 1 of 15 |
| Dallas County, TX | $152M | 0.0% | 68 of 109 |
| Johnson County, TX | $72M | 2.3% | 9 of 18 |
| Erath County, TX | $59M | 5.1% | 4 of 9 |
| Placer County, CA | $55M | 0.4% | 23 of 26 |
| Parker County, TX | $42M | 1.0% | 17 of 21 |
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 2 branches since 2016 (10 to 12, +20.0%). 5 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Opened Stephenville and Weatherford | 2 | 0 | +2 | 12 |
| 2018 | Opened Cleburne and Waxahachie | 2 | 0 | +2 | 14 |
| 2020 | Closed 3 in Texas | 0 | 3 | −3 | 11 |
| 2022 | Opened Tahoe City | 1 | 0 | +1 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 38% | |
| 1-4 family residential | 23% | 20% | |
| Construction and land | 13% | 13% | |
| Business (C&I) | 10% | 15% | |
| Multifamily | 5% | 3% | |
| Farmland | 4% | 3% | |
| Consumer | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 48% | |
| Time deposits | 26% | 26% | |
| Noninterest-bearing | 25% | 26% |
Brokered deposits are 7.0% of deposits (peers 4.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.42% | 0.42% |
| Net charge-offs, annualized | 0.04% | 0.04% |
| Reserves to loans | 1.08% | 1.20% |
| Leverage ratio | 12.20% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Ellis 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/citizens-texas