Citizens National Bank
Cameron, TX
IDRSSD: 59352
Total Assets
$642.74M
Latest filing
Total Deposits
$561.77M
Latest filing
Net Interest Margin
3.68%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 84 |
| 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 | 11/14/2025 |
| CERT | 3127 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $642.74M |
| Total Deposits | $561.77M |
| Total Liabilities | $564.57M |
| Total Equity Capital | $78.17M |
| Net Income | $2.36M |
| Net Loans and Leases | $427.71M |
| Assets Per Employee ($Millions) | $7.74M |
| Bank Premises and Fixed Assets | $10.59M |
| Cash and Balances due from Depository Institutions | $73.16M |
| Deposits Held in Domestic Offices | $561.77M |
Key Performance Ratios
| Return on Assets (ROA) | 1.49% |
| Return on Equity (ROE) | 12.29% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 49.1% |
| Tier 1 Risk-Based Capital Ratio | 16.211% |
| 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 | 12.162% |
| Earning Assets to total Assets | 95.76% |
Income and Expense
| Total Interest Income | $8.21M |
| Total Noninterest Income | $415.00k |
| Total Interest Expense | $2.61M |
| Total Noninterest Expense | $2.95M |
| Net Interest Income | $5.59M |
| Pre-tax Net Operating Income | $3.06M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $2.79M |
| Total Liabilities and Capital | $642.74M |
Securities
| Securities | $119.47M |
| Available-for-sale debt securities | $119.47M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$642.74M as of the latest filing.
How much are Citizens National Bank's total deposits?
$561.77M in total deposits.
Where is Citizens National Bank located?
Cameron, TX.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
12.
When was it established?
07/01/1900.
What is the Return on Assets (ROA)?
1.49%.
How much are total loans and leases?
$427.71M (latest filing).
What is the total interest income (latest filing)?
$8.21M.