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Overview / Commentary
877-566-2621
201 West Main Street
Henderson, TX 75653

Citizens National Bank (Henderson, TX) is headquartered in Henderson and is the 39th largest bank in the state of Texas. It is also the 528th largest bank in the nation. It was established in 1930 and as of December of 2013, it had grown to 361 employees at 24 locations. Citizens National Bank (Henderson, TX) has a A+ health rating.

Reviews (1)

Making Deposits

MAKE SURE YOU WATCH YOUR DEPOSITS. I HAD A FEW THAT SHOWED UP THAN DISSAPEARED. CALLED AND FOUND OUT THEY HAD GOT DEPOSITED INTO SOMEONE ELSES ACCOUNT. NEEDLESS TO SAY I AM NOW NOT A MEMBER THERE

 

 

CHANDLER TEXAS 



Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Citizens National Bank (Henderson, TX) had $3.13 million in non-current loans and owned real-estate with $135.67 million in equity and loan loss allowances on hand to cover it. This gives Citizens National Bank (Henderson, TX) a Texas Ratio of 2.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Citizens National Bank (Henderson, TX) experienced no significant changes from 2.28% as of December 31, 2012 to 2.31% as of December 31, 2013, resulting in a negative change of 1.23%. This indicates that the balance sheet and financial strength for Citizens National Bank (Henderson, TX) has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Citizens National Bank (Henderson, TX) has increased its total deposits by $264.92 million, resulting in 31.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens National Bank (Henderson, TX) has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens National Bank (Henderson, TX) has $1.26 billion in assets with $135.67 million in equity, resulting in a capitalization level of 10.77%, which is above average.

Institution Statistics

Overall
FDIC Certificate #3250
Year Established1930
Employees361
Primary RegulatorOCC
Assets and Liabilities
Assets$1.26 billion
Loans$646.17 million
Deposits$1.12 billion
Equity Capital$128.96 million
Loan Loss Allowance$6.70 million
Unbacked Noncurrent Loans$1.68 million
Real Estate Owned$1.46 million
Historic Data - December 2012
Assets$957.12 million
Equity Capital$94.98 million
Loan Loss Allowance$7.29 million
Unbacked Noncurrent Loans$1.68 million
Real Estate Owned$1.44 million
Profit Margin - Quarterly
Net Interest Margin3.37%
Return on Assets0.83%
Return on Equity8.07%
Interest Income$37.50 million
Rates

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Citizens National Bank (Henderson, TX) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Statement Savings
0.10%$100-Business Statement Savings

Citizens National Bank (Henderson, TX) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$1m-Platinum Money Market
0.35%$1m-Business Platinum Money Market
0.10%$1,500-Money Market Savings
0.10%$1,500-Business Money Market

Citizens National Bank (Henderson, TX) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-Max Checking
0.10%$500-Max Senior Checking
0.10%$1k-Basic Business Checking w/ Interest
0.10%$1k-Business Analysis Checking w/ Interest
0.10%$50k-Elite Checking

Citizens National Bank (Henderson, TX) CD Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-60 Month CD
1.25%$500-Business 60 Month CD
0.99%$500-48 Month CD
0.99%$500-Business 48 Month CD
0.80%$500-36 Month CD
0.80%$500-Business 36 Month CD
0.65%$500-24 Month CD
0.65%$500-30 Month CD
0.65%$500-Business 24 Month CD
0.65%$500-Business 30 Month CD
0.55%$10k-More For 24 CD Special
0.55%$10k-Business More For 24 CD Special
0.45%$500-18 Month CD
0.45%$500-Business 18 Month CD
0.40%$500-12 Month CD
0.40%$500-Business 12 Month CD
0.25%$2,500-180 to 364 Day CD
0.25%$2,500-Business 180 to 364 Day CD
0.10%$2,500-60 to 89 Day CD
0.10%$2,500-90 to 179 Day CD
0.10%$2,500-Business 60 to 89 Day CD
0.10%$2,500-Business 90 to 179 Day CD
0.05%$2,500-30 to 59 day CD
0.05%$2,500-Business 30 to 59 Day CD

Citizens National Bank (Henderson, TX) IRA Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-60 Month IRA
0.99%$500-48 Month IRA
0.80%$500-36 Month IRA
0.65%$500-24 Month IRA
0.65%$500-30 Month IRA
0.55%$10k-More For 24 IRA Special
0.45%$500-18 Month IRA
0.40%$500-12 Month IRA
0.25%$2,500-180 to 364 Day IRA
0.10%$2,500-60 to 89 Day IRA
0.10%$2,500-90 to 179 Day IRA
0.05%$2,500-30 to 59 day IRA
Locations

Citizens National Bank (Henderson, TX) has 21 locations. Click to view all Citizens National Bank (Henderson, TX) locations.