Citizens National Bank (TX)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 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.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 1,519^th largest bank in the nation. It was established in 1900 and as of March of 2025, it had grown to 80 employees at 12 locations. Citizens National Bank (TX)'s money market rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3127
Year Established	1900
Employees	80
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	10.32%
Annual Interest Income	$7.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$623.8MM$611.3MM
Loans	Q1 2025vs Q1 2024	$421.6MM$429.9MM
Deposits	Q1 2025vs Q1 2024	$548.6MM$545.5MM
Equity Capital	Q1 2025vs Q1 2024	$72.4MM$63.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.6MM$6.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$239K$243K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 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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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
4.00%^*	$500k^*	$2m	Advantage Plus Saving
OTHER TIERS: 2.00% → $2m+ \| 2.25% → $0 - $150k \| 3.50% → $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
1.75%^*	$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
3.50%^*	$0	$15k	Advantage Plus Checking
OTHER TIERS: 0.45% → $15k - $150k \| 0.63% → $150k+
3.50%^*	$2.5k^*	$15k	Business Advantage Plus Checking
OTHER TIERS: 1.00% → $1m+ \| 1.20% → $15k - $1m

Citizens National Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	7 Month CD Special
3.90%	$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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