Citizens National Bank
Cameron, TX
IDRSSD: 59352
Total Assets
$660.21M
Latest filing
Total Deposits
$575.88M
Latest filing
Net Interest Margin
3.79%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111902819CAMERON, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens National Bank
118 S Houston Ave
Cameron, TX 76520
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1900FDIC Certificate 2001
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens National Bank (Main) | 118 S Houston Ave | Cameron, TX |
| ROCKDALE BRANCH | 140 E Cameron Ave | Rockdale, TX |
| DRIVE-IN FACILITY | 500 N Travis Ave | Cameron, TX |
| TAYLOR BRANCH | 316 N Main St | Taylor, TX |
| GIDDINGS BRANCH | 104 W Austin St | Giddings, TX |
| GIDDINGS DRIVE THRU BRANCH | 237 S Main St | Giddings, TX |
| ROCKDALE BRANCH | 1401 W Cameron Ave | Rockdale, TX |
| COUPLAND BRANCH | 102 Hoxie St | Coupland, TX |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 07/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76520 |
| State and County Number | 48331 |
| Subchapter S Corporations | No |
| 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 | N/A |
Operational Info
| Number of Employees | 83 |
| Domestic Offices | 12 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbanktexas.com |
| Data Updated | 01/30/2026 |
| CERT | 3127 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $660.21M |
| Total Deposits | $575.88M |
| Total Liabilities | $578.78M |
| Total Equity Capital | $81.43M |
| Net Income | $2.55M |
| Net Loans and Leases | $417.85M |
| Assets Per Employee ($Millions) | $7.95M |
| Bank Premises and Fixed Assets | $10.50M |
| Cash and Balances due from Depository Institutions | $64.94M |
| Deposits Held in Domestic Offices | $575.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.57% |
| Return on Equity (ROE) | 12.78% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 50.17% |
| Tier 1 Risk-Based Capital Ratio | 17.066% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.334% |
| Earning Assets to total Assets | 95.98% |
Income and Expense
| Total Interest Income | $8.51M |
| Total Noninterest Income | $395.00k |
| Total Interest Expense | $2.59M |
| Total Noninterest Expense | $3.17M |
| Net Interest Income | $5.92M |
| Pre-tax Net Operating Income | $3.15M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.89M |
| Total Liabilities and Capital | $660.21M |
Securities
| Securities | $155.22M |
| Available-for-sale debt securities | $155.22M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens National Bank?
$660.21M as of the latest filing.
How much are Citizens National Bank's total deposits?
$575.88M in total deposits.
Where is Citizens National Bank located?
Cameron, TX.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
12.
When was it established?
07/01/1900.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$417.85M (latest filing).
What is the total interest income (latest filing)?
$8.51M.