Citizens National Bank (TX)

Overview / Commentary

www.cnbanktexas.com

254-697-6653

118 South Houston Street
Cameron, TX 76520

Citizens National Bank (TX) is headquartered in CAMERON and is the 146^th largest bank in the state of Texas. It is also the 1,514^th largest bank in the nation. It was established in 1900 and as of March of 2024, it had grown to 79 employees at 12 locations. Citizens National Bank (TX)'s money market rates are 5X the national average, and it has an A health rating.

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Health

Data as of Q1 2024

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Health Grade Components

Overall
FDIC Certificate #	3127
Year Established	1900
Employees	79
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	10.17%
Annual Interest Income	$7MM

Assets and Liabilities
Assets	Q1 2024vs Q1 2023	$611.3MM$613MM
Loans	Q1 2024vs Q1 2023	$429.9MM$419.2MM
Deposits	Q1 2024vs Q1 2023	$545.5MM$555MM
Equity Capital	Q1 2024vs Q1 2023	$63.1MM$56.2MM
Loan Loss Allowance	Q1 2024vs Q1 2023	$6.8MM$6.4MM
Unbacked Noncurrent Loans	Q1 2024vs Q1 2023	$243K$0
Real Estate Owned	Q1 2024vs Q1 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Citizens National Bank (TX); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens National Bank (TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$500k^*	$2m	Advantage Plus Saving
OTHER TIERS: 2.00% → $2m+ \| 3.00% → $0 - $150k \| 4.50% → $150k - $500k
1.01%	$250k	-	Commercial Sweep
0.40%	$0	-	Savings Account

Citizens National Bank (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$150k^*	-	Premier Money Market
OTHER TIERS: 0.55% → $0 - $25k \| 0.75% → $25k - $75k \| 1.00% → $75k - $150k

Citizens National Bank (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	$0	$15k	Advantage Plus Checking
OTHER TIERS: 0.60% → $15k - $150k \| 0.78% → $150k+
4.00%^*	$2.5k^*	$15k	Business Advantage Plus Checking
OTHER TIERS: 1.25% → $1m+ \| 1.45% → $15k - $1m

Citizens National Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%	$1k	-	7 Month CD Special
4.40%	$10k	-	13 Month CD Special
1.55%	$500	-	18 Month CD
1.55%	$500	-	1 Year CD
1.55%	$500	-	2 Year CD
1.55%	$500	-	3 Year CD
1.00%	$1k	-	6 Month CD

Citizens National Bank (TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%	$500	-	1 Year Fixed IRA
1.55%	$500	-	18 Month Fixed IRA
1.55%	$500	-	2 Year Fixed IRA
1.55%	$500	-	3 Year Fixed IRA
1.00%	$1k	-	6 Month Fixed IRA

Locations

Availability

Waco Area

Waco Area bank & credit union details

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