Visbanking Logo
Skip to main content

Citizens National Bank Of Texas

IDRSSD: 552161
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 552161 held $2.1B in total assets as of 2026-03-31 (+0.8% quarter-over-quarter). Total loans stood at $1.9B (+4.2% QoQ) and total deposits at $1.8B (+0.7% QoQ).

Overall position is adequate — the composite Health Score is 52/100 (Adequate). Tier 1 / RWA stands at 13.42%, in the below median of peers. Asset quality (NPL ratio) sits in the below median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
52/100
Adequate
Active Alerts
2
0 critical, 2 warning
Total Assets
$2.1B
+0.8% QoQ
Total Loans
$1.9B
+4.2% QoQ
Total Deposits
$1.8B
+0.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.42%
46th pctile · n=369↑ better
-49 bp QoQ
CET1 / RWA
13.42%
62th pctile · n=500↑ better
-49 bp QoQ
Total RBC / RWA
14.62%
47th pctile · n=369↑ better
-48 bp QoQ
Tier 1 Leverage Ratio
13.42%
60th pctile · n=500↑ better
-49 bp QoQ

Liquidity

Cash / Assets
4.06%
36th pctile · n=500↑ better
-320 bp QoQ
Loans / Deposits
104.57%
92th pctile · n=496↓ better
+351 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.65%
57th pctile · n=500↓ better
-23 bp QoQ
NPA / Assets
0.79%
71th pctile · n=500↓ better
+0 bp QoQ
Texas Ratio (regulatory)
6.08%
68th pctile · n=500↓ better
+1 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
28th pctile · n=500↓ better
-38 bp QoQ
ALLL Coverage of NPL
167.99%
46th pctile · n=500↑ better
+4114 bp QoQ

Earnings

Net Interest Margin
5.28%
97th pctile · n=500↑ better
-19 bp QoQ
Return on Assets
2.16%
93th pctile · n=500↑ better
+12 bp QoQ
Return on Equity
17.70%
84th pctile · n=500↑ better
+73 bp QoQ
Efficiency Ratio
48.77%
16th pctile · n=500↓ better
+356 bp QoQ
Pre-tax NOI / Avg Assets
2.72%
94th pctile · n=500↑ better
+8 bp QoQ

Funding

Brokered / Deposits
6.35%
71th pctile · n=496↓ better
-13 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
1.31%
48th pctile · n=500↓ better
-5 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
1.17%
5th pctile · n=500↑ better
-1 bp QoQ
AFS Securities / Assets
0.01%
3th pctile · n=500↑ better
-0 bp QoQ
HTM Securities / Assets
1.17%
74th pctile · n=500↑ better
-1 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 02:21:11 UTC