Institution Class	Commercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary Regulator	OCC
Established Date	09/28/1934
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	76801
State and County Number	48049
Subchapter S Corporations	Yes
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	11
Numeric code	3
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Dallas
Core Based Statistical Area Name	Brownwood, TX

Operational Info

Number of Employees	42
Domestic Offices	2
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	09/28/1934
Primary Insurance Agency	DIF
Website	www.cnb-brownwood.com
Data Updated	11/14/2025
CERT	14779
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$297.79M
Total Deposits	$266.90M
Total Liabilities	$269.03M
Total Equity Capital	$28.76M
Net Income	$1.31M
Net Loans and Leases	$107.90M
Assets Per Employee ($Millions)	$6.93M
Bank Premises and Fixed Assets	$3.92M
Cash and Balances due from Depository Institutions	$47.29M
Deposits Held in Domestic Offices	$266.90M

Return on Assets (ROA)	1.78%
Return on Equity (ROE)	18.69%
Net Interest Margin	3.23%
Efficiency Ratio	56.2%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.03%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.659%
Earning Assets to total Assets	93.98%

Total Interest Income	$3.13M
Total Noninterest Income	$815.00k
Total Interest Expense	$895.00k
Total Noninterest Expense	$1.71M
Net Interest Income	$2.23M
Pre-tax Net Operating Income	$1.31M
Provision for Credit Losses	$24.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$5.00k
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$2.13M
Total Liabilities and Capital	$297.79M

Securities	$128.76M
Available-for-sale debt securities	$110.78M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$17.98M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Citizens National Bank at Brownwood?

$297.79M as of the latest filing.

How much are Citizens National Bank at Brownwood's total deposits?

$266.90M in total deposits.

Where is Citizens National Bank at Brownwood located?

Brownwood, TX.

What is the Net Interest Margin?

3.23%.

How many domestic offices does it operate?

When was it established?

09/28/1934.

What is the Return on Assets (ROA)?

1.78%.

How much are total loans and leases?

$107.90M (latest filing).

What is the total interest income (latest filing)?

$3.13M.