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Reviews (4)

Great Rates Don't Last Forever.

City National Bank of Taylor, Texas, had some nice rates in their rewards checking.  But as Ken the bank deals guy mentioned somewhere in this website, the rates just couldn't last forever.  I didn't really have any problems with their bank with their rewards checking, except their rates just kept on dropping.

Sort of like EmigrantDirect of New York back six years ago.  Great rates, then it's time to move on.

The limits on electronic transfer of $2,500 are the maximum.   But it takes just a day wait or so with the approval of the staff at the bank, to move larger sums of money.

The only other thing that I had to work around was the lack of availability to make ATM deposits or withdrawals.  I just could not do it.  Their ATM network was not available any where close to me.  So of course I needed to keep my local bank for regular banking stuff.

They have a great, friendly, helpful bank staff that answers the phone, and a solid bank performance balance sheet.

I Have Yet To Find A Bank That Can Match What They Offer

I have yet to find a bank that can match what they offer.  First of all, they offer great customer service.  We get reimbursed for all ATM fees.  We get interest on our checking, with no minimum balance.  No monthly fee.  They pay us.  Sure, rates have dropped since I joined, but so have everybody elses.  I cannot recall ever having funds not immediately being available.
  Whenever I visit another bank, or a bank's booth at a festival, I always compare.  Some come close, but can't match CNBT.
Why can't more banks be like this one?

Good Customer Service, Rates Keep Falling

They have a 5 star rating for financial stability and their customer service is great.  Unfortunately their rates keep falling so it's time to look for another bank.

Not Thathigh Of Interest Rates And They Do

Not that high of interest rates and they do, by default, put some limits on electronic transfers, but they have NO MAXIMUM BALANCE and their customer service is great - very friendly and very accommodating.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 City National Bank had $442,000 in non-current loans and owned real-estate with $21 million in equity and loan loss allowances on hand to cover it. This gives City National Bank a Texas Ratio of 2.10% 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 City National Bank decreased dramatically from 3.22% as of June 30, 2013 to 2.10% as of June 30, 2014, resulting in a positive change of 34.65%.This indicates that the balance sheet and financial strength for City National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, City National Bank has increased its total deposits by $14.65 million, resulting in 8.58% 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 City National Bank has shown is excellent.



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. City National Bank has $206.34 million in assets with $21 million in equity, resulting in a capitalization level of 10.18%, which is above average.

Institution Statistics

FDIC Certificate #5548
Year Established1900
Primary RegulatorOCC
Assets and Liabilities
Assets$206.34 million
Loans$84.40 million
Deposits$185.41 million
Equity Capital$19.96 million
Loan Loss Allowance$1.05 million
Unbacked Noncurrent Loans$215,000
Real Estate Owned$227,000
Historic Data - June 2013
Assets$189.54 million
Equity Capital$17.19 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$215,000
Real Estate Owned$228,000
Profit Margin - Quarterly
Return on Assets1.04%
Return on Equity11.37%
Interest Income$3.50 million
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City National Bank Savings Account Rates

0.15%$50-Health Savings Account
0.15%$100-Reward Savings
0.15%$100-Business Reward Savings

City National Bank Checking Account Rates

0.20%--FREE Reward Checking - Qualifying
0.05%$100-NetAdvantage Checking - Qualifying
0.01%--FREE Reward Checking - Non Qualifying
0.01%--NetAdvantage Checking - Non Qualifying

City National Bank Locations
The City National Bank Of Taylor116 West Third StreetTaylor, TX 76574