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Citizens National Bank of Texas


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cnboftexas.com
972-938-4300
200 North Elm Street
Waxahachie, TX 75165

Citizens National Bank of Texas is headquartered in WAXAHACHIE and is the 59th largest bank in the state of Texas. It is also the 611th largest bank in the nation. It was established in 1868 and as of December of 2024, it had grown to 157 employees at 12 locations. Citizens National Bank of Texas has an A health rating.

Reviews (2)

Must Do Branch Visit

Posted by: |

You cannot join online. Branch visit required. AND funds must be in your account to open CD. Cannot do online funding.

21

40-Day Wait For New Customers

Posted by: |

For potential new customers to Citizens National Bank of Texas, the 5.65% 12-month CD special offering is very deceiving. Before being considered eligible to open this account, you must first have an actively used checking account with this bank for 40 calendar days. During this 40-day period, you have to convince them that you are using their bank as your primary bank. If you pass all these qualification tests, they then require you to open your CD account in-person at one of their bank branches. Also, they do not state any of these requirements and restrictions anywhere in writing on their website. Overall, this clearly is a bank you should not do business with. They have far too many unwritten tricks and schemes associated with their deposit accounts.

6


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #5574
Year Established1868
Employees157
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.59%
Return on Equity - YTD13.77%
Annual Interest Income$110.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.93B$1.68B
LoansQ4 2024vs Q4 2023$1.61B$1.41B
DepositsQ4 2024vs Q4 2023$1.68B$1.46B
Equity CapitalQ4 2024vs Q4 2023$221.6MM$207.9MM
Loan Loss AllowanceQ4 2024vs Q4 2023$16.5MM$15.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.9MM$1.4MM
Real Estate OwnedQ4 2024vs Q4 2023$7.7MM$9.2MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

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