City National Bank

Overview / Commentary
116 West Third Street
Taylor, TX 76754

City National Bank is headquartered in TAYLOR and is the 241st largest bank in the state of Texas. It is also the 2,719th largest bank in the nation. It was established in 1900 and as of December of 2023, it had grown to 38 employees at 1 location. City National Bank has a B+ health rating.

Reviews (4)

I Have Yet To Find A Bank That Can Match What They Offer

Posted by: |

I have yet to find a bank that can match what they offer.  First of all, they offer great customer service.  We get reimbursed for all ATM fees.  We get interest on our checking, with no minimum balance.  No monthly fee.  They pay us.  Sure, rates have dropped since I joined, but so have everybody elses.  I cannot recall ever having funds not immediately being available.
  Whenever I visit another bank, or a bank's booth at a festival, I always compare.  Some come close, but can't match CNBT.
Why can't more banks be like this one?

Great Rates Don't Last Forever.

Posted by: |

City National Bank of Taylor, Texas, had some nice rates in their rewards checking.  But as Ken the bank deals guy mentioned somewhere in this website, the rates just couldn't last forever.  I didn't really have any problems with their bank with their rewards checking, except their rates just kept on dropping.

Sort of like EmigrantDirect of New York back six years ago.  Great rates, then it's time to move on.

The limits on electronic transfer of $2,500 are the maximum.   But it takes just a day wait or so with the approval of the staff at the bank, to move larger sums of money.

The only other thing that I had to work around was the lack of availability to make ATM deposits or withdrawals.  I just could not do it.  Their ATM network was not available any where close to me.  So of course I needed to keep my local bank for regular banking stuff.

They have a great, friendly, helpful bank staff that answers the phone, and a solid bank performance balance sheet.

Not Thathigh Of Interest Rates And They Do

Posted by: |

Not that high of interest rates and they do, by default, put some limits on electronic transfers, but they have NO MAXIMUM BALANCE and their customer service is great - very friendly and very accommodating.

Good Customer Service, Rates Keep Falling

Posted by: |

They have a 5 star rating for financial stability and their customer service is great.  Unfortunately their rates keep falling so it's time to look for another bank.


Health Grade Components

FDIC Certificate #5548
Year Established1900
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.19%
Return on Equity - YTD27.61%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$254.2MM$287.3MM
LoansQ4 2023vs Q4 2022$139.2MM$134.1MM
DepositsQ4 2023vs Q4 2022$229.7MM$267.7MM
Equity CapitalQ4 2023vs Q4 2022$24.1MM$19.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.5MM$1.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$973K$1.1MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for City National Bank are currently being reviewed.


City National Bank Locations
The City National Bank Of Taylor116 W 3rd StTaylor, TX 76574

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