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 144^th largest bank in the state of Texas. It is also the 1,513^th largest bank in the nation. It was established in 1900 and as of June of 2022, it had grown to 81 employees at 11 locations. Citizens National Bank (TX)'s money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	3127
Year Established	1900
Employees	81
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	12.57%
Annual Interest Income	$9.4MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$593.4MM$550.4MM
Loans	Q2 2022vs Q2 2021	$383.6MM$309.2MM
Deposits	Q2 2022vs Q2 2021	$531.7MM$495.0MM
Equity Capital	Q2 2022vs Q2 2021	$52.8MM$53.9MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$5.7MM$5.1MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$0$606.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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 (TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	-	-	Savings Account

Citizens National Bank (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.10%^*	$150k^*	-	Premier Money Market
OTHER TIERS: 0.55% → Up to $25k \| 0.75% → $25k - $75k \| 1.00% → $75k - $150k

Citizens National Bank (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.60%^*	-	$15k	Advantage Plus Checking
OTHER TIERS: 0.60% → $15k - $150k \| 0.78% → $150k+

Citizens National Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$10k	-	13 Month CD Special
2.75%	$10k	-	24 Month No Penalty CD Special
1.51%	$500	-	18 Month CD
1.51%	$500	-	1 Year CD
1.51%	$500	-	2 Year CD
1.51%	$500	-	3 Year CD
1.00%	$1k	-	6 Month CD

Citizens National Bank (TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	1 Year Fixed IRA
1.51%	$500	-	18 Month Fixed IRA
1.51%	$500	-	2 Year Fixed IRA
1.51%	$500	-	3 Year Fixed IRA
1.51%	$100	-	18 Month Variable IRA
1.00%	$1k	-	6 Month Fixed IRA

Locations

Availability

Waco Area

Waco Area bank & credit union details

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