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Citizens National Bank
Crockett, TX · FDIC Certificate #24085 · Chartered 09/0
Total assets
$108.78M
Total deposits
$95.23M
Total equity
$11.82M
Net loans
$37.05M
Branches (offices)
1
Net income (YTD)
$365.00K
Rank: #3,615 of 4,213 U.S. banks by assets · #304 of 346 in Texas. Assets changed 16.5% and deposits 18.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.69% |
| Return on equity | 6.18% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 10.87% |
| Tier 1 leverage ratio | 12.82% |
| Uninsured deposits (share of deposits) | 35.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 38.9% |
| Real estate loans (share of loans) | 63.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.61M | 63.7% | |
| Commercial & industrial | $6.10M | 16.5% | |
| Consumer / individual | $3.41M | 9.2% | |
| Construction & development | $2.57M | 6.9% | |
| Agricultural | $3.28M | 8.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $111.93M | $101.30M | $216.00K | $8.54M |
| Jun 2023 | $103.65M | $93.08M | $869.00K | $8.54M |
| Jun 2024 | $99.24M | $87.67M | $541.00K | $9.64M |
| Jun 2025 | $93.36M | $80.66M | $304.00K | $10.89M |
| Jun 2026 | $108.78M | $95.23M | $365.00K | $11.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $95.23M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $95.23M.
Similar-sized banks
First Naturalstate Bank ($108.82M) · Home Savings Bank ($108.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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