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The City National Bank Of Sulphur Springs
Sulphur Springs, TX · FDIC Certificate #5544 · Chartered 01/0
Total assets
$1.37B
Total deposits
$1.23B
Total equity
$132.72M
Net loans
$947.33M
Branches (offices)
17
Net income (YTD)
$15.58M
Rank: #802 of 4,213 U.S. banks by assets · #72 of 346 in Texas. Assets changed 3.4% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.28% |
| Return on equity | 23.56% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 9.65% |
| Tier 1 leverage ratio | 9.78% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | -0.09% |
| Loans to deposits | 77.0% |
| Real estate loans (share of loans) | 86.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $821.50M | 86.7% | |
| Commercial & industrial | $68.31M | 7.2% | |
| Consumer / individual | $38.93M | 4.1% | |
| Construction & development | $109.19M | 11.5% | |
| Agricultural | $27.08M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.19B | $1.09B | $9.44M | $85.86M |
| Jun 2023 | $1.23B | $1.11B | $8.26M | $92.85M |
| Jun 2024 | $1.27B | $1.10B | $10.23M | $106.93M |
| Jun 2025 | $1.33B | $1.20B | $11.74M | $120.56M |
| Jun 2026 | $1.37B | $1.23B | $15.58M | $132.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.23B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.23B.
Similar-sized banks
Texas Security Bank ($1.38B) · The Bank Of New York Mellon Trust Company, National Association ($1.37B)
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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