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Citizens National Bank
Cameron, TX · FDIC Certificate #3127 · Chartered 07/0
Total assets
$691.81M
Total deposits
$603.96M
Total equity
$85.29M
Net loans
$415.86M
Branches (offices)
13
Net income (YTD)
$5.41M
Rank: #1,379 of 4,213 U.S. banks by assets · #125 of 346 in Texas. Assets changed 10.1% and deposits 9.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.61% |
| Return on equity | 12.99% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 12.33% |
| Tier 1 leverage ratio | 12.73% |
| Uninsured deposits (share of deposits) | 31.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 68.9% |
| Real estate loans (share of loans) | 93.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $388.05M | 93.3% | |
| Commercial & industrial | $14.23M | 3.4% | |
| Consumer / individual | $2.12M | 0.5% | |
| Construction & development | $19.56M | 4.7% | |
| Agricultural | $17.58M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $593.43M | $531.65M | $3.40M | $52.81M |
| Jun 2023 | $606.49M | $548.09M | $2.36M | $56.57M |
| Jun 2024 | $605.21M | $537.31M | $3.03M | $65.08M |
| Jun 2025 | $628.11M | $549.96M | $4.70M | $75.64M |
| Jun 2026 | $691.81M | $603.96M | $5.41M | $85.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $603.96M | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $603.96M.
Similar-sized banks
Hometown Bank ($691.87M) · Premier Bank Minnesota ($691.50M)
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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