Overview / Commentary
903-657-8521
201 West Main Street
Henderson, TX 75653

Citizens National Bank (Henderson, TX) is headquartered in Henderson and is the 34th largest bank in the state of Texas. It is also the 453rd largest bank in the nation. It was established in 1930 and as of June of 2018, it had grown to 393 employees at 28 locations. Citizens National Bank (Henderson, TX)'s money market rates are 2X the national average, and it has an A health rating.

Reviews (3)

Great service at this bank!

Posted by: Mogarro | Dec 15, 2016

When I moved to this area several years ago I went to Citizens National Bank to open a checking account. They have been great! When I go into the bank they know my name and greet me. They ask how they can help me and see to my needs. They are very efficient in their jobs. When I ask them a question about my checking account they are very friendly and happy to help me in any way they possibly can. At one time my husband and I had a savings account with this bank as well. It was very convenient to transfer money from our savings account to our checking account by simply transferring using their mobile/online banking. Now it is even possible to deposit checks by taking a picture and submitting with your phone! I especially love that option, it makes it very convenient to deposit my husband's paychecks. I would recommend this bank to anyone who lives in the area. I am pleased with my service here.

My experience with a small local bank

My first bank account was opened with Bank of America that was 45 minutes from my home, but after a few years, Bank of America closed that branch off and sold the building and all accounts made from that location to the Citizens National Bank of Texas. My checking account was automatically transferred to the new bank, and my account was good to go from there. I have had less issues with over-drafting and fees with CNB than ever with BofA. CNB's account management tools have allowed me to keep an accurate measurement of my spending, and prevent me from over-drafting. I have only over-drafted my account once since i became a member of CNB, and after a brief phone conversation, they reversed the fee since it was my first overdraft ever, and also turned on overdraft protection, preventing me from accidentally over-drafting my account. There have also been no fees as far as just having the account. No minimum deposit per month, and no penalty for not making a deposit within a certain time.

Making Deposits

Posted by: JHCT111 | Dec 28, 2011

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

Health Grade Components

Overall
FDIC Certificate #3250
Year Established1930
Employees393
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD11.15%
Annual Interest Income$34.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.81B$1.76B
LoansQ2 2018vs Q2 2017$1.10B$1.02B
DepositsQ2 2018vs Q2 2017$1.63B$1.56B
Equity CapitalQ2 2018vs Q2 2017$166.9MM$177.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$12.6MM$10.5MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$6.8MM$7.3MM
Real Estate OwnedQ2 2018vs Q2 2017$1.2MM$2.2MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens National Bank (Henderson, TX) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Statement Savings
0.10%$100-Business Statement Savings

Citizens National Bank (Henderson, TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1m*-Platinum Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $100k | 0.35% $100k - $250k | 0.75% $250k - $1m
1.00%*$1m*-Business Platinum Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $100k | 0.35% $100k - $250k | 0.75% $250k - $1m
0.10%--Money Market Savings
0.10%--Business Money Market

Citizens National Bank (Henderson, TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-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
OTHER TIERS: 0.05% $5k - $50k

Citizens National Bank (Henderson, TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%*$250k*-60 Month CD
OTHER TIERS: 1.97% $500 - $100k | 2.28% $100k - $250k
2.38%*$250k*-Business 60 Month CD
OTHER TIERS: 1.97% $500 - $100k | 2.28% $100k - $250k
2.31%*$250k*-48 Month CD
OTHER TIERS: 1.90% $500 - $100k | 2.21% $100k - $250k
2.31%*$250k*-Business 48 Month CD
OTHER TIERS: 1.90% $500 - $100k | 2.21% $100k - $250k
2.18%*$250k*-36 Month CD
OTHER TIERS: 1.77% $500 - $100k | 2.08% $100k - $250k
2.18%*$250k*-Business 36 Month CD
OTHER TIERS: 1.77% $500 - $100k | 2.08% $100k - $250k
1.89%*$250k*-30 Month CD
OTHER TIERS: 1.49% $500 - $100k | 1.79% $100k - $250k
1.89%*$250k*-Business 30 Month CD
OTHER TIERS: 1.49% $500 - $100k | 1.79% $100k - $250k
1.61%*$250k*-24 Month CD
OTHER TIERS: 1.21% $500 - $100k | 1.51% $100k - $250k
1.61%*$250k*-Business 24 Month CD
OTHER TIERS: 1.21% $500 - $100k | 1.51% $100k - $250k
1.52%*$250k*-18 Month CD
OTHER TIERS: 1.11% $500 - $100k | 1.42% $100k - $250k
1.52%*$250k*-Business 18 Month CD
OTHER TIERS: 1.11% $500 - $100k | 1.42% $100k - $250k
1.39%*$250k*-12 Month CD
OTHER TIERS: 0.98% $500 - $100k | 1.29% $100k - $250k
1.39%*$250k*-Business 12 Month CD
OTHER TIERS: 0.98% $500 - $100k | 1.29% $100k - $250k
1.32%*$250k*-180 to 364 Day CD
OTHER TIERS: 0.92% $2.5k - $100k | 1.22% $100k - $250k
1.32%*$250k*-Business 180 to 364 Day CD
OTHER TIERS: 0.92% $2.5k - $100k | 1.22% $100k - $250k
0.99%*$250k*-90 to 179 Day CD
OTHER TIERS: 0.59% $2.5k - $100k | 0.89% $100k - $250k
0.99%*$250k*-Business 90 to 179 Day CD
OTHER TIERS: 0.59% $2.5k - $100k | 0.89% $100k - $250k
0.78%*$250k*-60 to 89 Day CD
OTHER TIERS: 0.38% $2.5k - $100k | 0.68% $100k - $250k
0.78%*$250k*-Business 60 to 89 Day CD
OTHER TIERS: 0.38% $2.5k - $100k | 0.68% $100k - $250k
0.68%*$250k*-30 to 59 day CD
OTHER TIERS: 0.28% $2.5k - $100k | 0.58% $100k - $250k
0.68%*$250k*-Business 30 to 59 Day CD
OTHER TIERS: 0.28% $2.5k - $100k | 0.58% $100k - $250k

Citizens National Bank (Henderson, TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%*$250k*-60 Month IRA
OTHER TIERS: 1.97% $500 - $100k | 2.28% $100k - $250k
2.31%*$250k*-48 Month IRA
OTHER TIERS: 1.90% $500 - $100k | 2.21% $100k - $250k
2.18%*$250k*-36 Month IRA
OTHER TIERS: 1.77% $500 - $100k | 2.08% $100k - $250k
1.89%*$250k*-30 Month IRA
OTHER TIERS: 1.49% $500 - $100k | 1.79% $100k - $250k
1.61%*$250k*-24 Month IRA
OTHER TIERS: 1.21% $500 - $100k | 1.51% $100k - $250k
1.52%*$250k*-18 Month IRA
OTHER TIERS: 1.11% $500 - $100k | 1.42% $100k - $250k
1.39%*$250k*-12 Month IRA
OTHER TIERS: 0.98% $500 - $100k | 1.29% $100k - $250k
1.32%*$250k*-180 to 364 Day IRA
OTHER TIERS: 0.92% $2.5k - $100k | 1.22% $100k - $250k
0.99%*$250k*-90 to 179 Day IRA
OTHER TIERS: 0.59% $2.5k - $100k | 0.89% $100k - $250k
0.78%*$250k*-60 to 89 Day IRA
OTHER TIERS: 0.38% $2.5k - $100k | 0.68% $100k - $250k
0.68%*$250k*-30 to 59 day IRA
OTHER TIERS: 0.28% $2.5k - $100k | 0.58% $100k - $250k
Locations

Availability



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