Citizens National Bank at Brownwood
Brownwood, TX
IDRSSD: 233358
Total Assets
$306.14M
Latest filing
Total Deposits
$275.14M
Latest filing
Net Interest Margin
3.26%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens National Bank at Brownwood
1 Carnegie St
Brownwood, TX 76801
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/28/1934FDIC Certificate 9244
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens National Bank at Brownwood (Main) | 1 Carnegie St | Brownwood, TX |
| BROWNWOOD BRANCH | 401 W Commerce St | Brownwood, TX |
Showing 1 of 1
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 | 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 | 43 |
| 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 | 01/30/2026 |
| CERT | 14779 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $306.14M |
| Total Deposits | $275.14M |
| Total Liabilities | $277.06M |
| Total Equity Capital | $29.08M |
| Net Income | $844.00k |
| Net Loans and Leases | $100.98M |
| Assets Per Employee ($Millions) | $6.96M |
| Bank Premises and Fixed Assets | $3.91M |
| Cash and Balances due from Depository Institutions | $52.71M |
| Deposits Held in Domestic Offices | $275.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 11.67% |
| Net Interest Margin | 3.26% |
| Efficiency Ratio | 67.11% |
| 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 | 9.499% |
| Earning Assets to total Assets | 92.94% |
Income and Expense
| Total Interest Income | $3.19M |
| Total Noninterest Income | $339.00k |
| Total Interest Expense | $893.00k |
| Total Noninterest Expense | $1.77M |
| Net Interest Income | $2.30M |
| Pre-tax Net Operating Income | $844.00k |
| Provision for Credit Losses | $24.00k |
| 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 | $236.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.92M |
| Total Liabilities and Capital | $306.14M |
Securities
| Securities | $138.12M |
| Available-for-sale debt securities | $120.17M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $17.94M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens National Bank at Brownwood?
$306.14M as of the latest filing.
How much are Citizens National Bank at Brownwood's total deposits?
$275.14M in total deposits.
Where is Citizens National Bank at Brownwood located?
Brownwood, TX.
What is the Net Interest Margin?
3.26%.
How many domestic offices does it operate?
2.
When was it established?
09/28/1934.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$100.98M (latest filing).
What is the total interest income (latest filing)?
$3.19M.