Citizens National Bank at Brownwood

Citizens National Bank at Brownwood is headquartered in Brownwood and is the 271^st largest bank in the state of Texas. It is also the 3,410^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 45 employees at 2 locations. Citizens National Bank at Brownwood has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens National Bank at Brownwood FDIC Certificate # 14779 BankRate Report View Year Established 1934 Employees 45 Primary Regulator OCC Assets and Liabilities Assets $179.11 million Loans $112.74 million Deposits $154.84 million Equity Capital $22.95 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $1.13 million Historic Data - March 2011 Assets $182.04 million Equity Capital $22.71 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $2.01 million Real Estate Owned $400,000 Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 2.02% Return on Equity 16.02% Interest Income $1.84 million

Institution Health Overall Score: 5 out of 5 Texas Ratio 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 March 31, 2012 Citizens National Bank at Brownwood had $1.13 million in non-current loans and owned real-estate with $24.79 million in equity and loan loss allowances on hand to cover it. This gives Citizens National Bank at Brownwood a Texas Ratio of 4.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens National Bank at Brownwood decreased significantly from 9.42% as of March 31, 2011 to 4.54% as of March 31, 2012, resulting in a positive change of 51.78%.This indicates that the balance sheet and financial strength for Citizens National Bank at Brownwood has improved significantly in recent periods. Deposit Growth In the past year, Citizens National Bank at Brownwood has decreased its total deposits by -$3.15 million, resulting in -1.99% 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 at Brownwood has shown is below average. Capitalization 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 at Brownwood has $179.1 million in assets with $24.79 million in equity, resulting in a capitalization level of 13.84%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.