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 136^th largest bank in the state of Texas. It is also the 1,476^th largest bank in the nation. It was established in 1900 and as of December of 2021, it had grown to 77 employees at 11 locations. Citizens National Bank (TX) has an A+ health rating.

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Health

A+

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	3127
Year Established	1900
Employees	77
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	11.57%
Annual Interest Income	$18.0MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$610.3MM$509.3MM
Loans	Q4 2021vs Q4 2020	$353.4MM$291.7MM
Deposits	Q4 2021vs Q4 2020	$553.3MM$455.4MM
Equity Capital	Q4 2021vs Q4 2020	$55.8MM$52.3MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.4MM$4.9MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$0$617.00K
Real Estate Owned	Q4 2021vs Q4 2020	$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
0.07%	-	-	Savings Account

Citizens National Bank (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.32%^*	$2.3m^*	-	Premier Money Market
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $75k \| 0.18% → $75k - $150k \| 0.25% → $150k - $2.3m

Citizens National Bank (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*	-	$15k	Advantage Plus Checking
OTHER TIERS: 0.32% → $15k - $150k \| 0.46% → $150k+

Citizens National Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%	$500	-	2 Year CD
0.45%	$500	-	3 Year CD
0.42%	$500	-	18 Month CD
0.42%	$500	-	1 Year CD
0.22%	$1k	-	6 Month CD

Citizens National Bank (TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%	$500	-	2 Year Fixed IRA
0.45%	$500	-	3 Year Fixed IRA
0.42%	$500	-	1 Year Fixed IRA
0.42%	$500	-	18 Month Fixed IRA
0.42%	$100	-	18 Month Variable IRA
0.22%	$1k	-	6 Month Fixed IRA

Locations

Availability

Waco Area

Waco Area bank & credit union details

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