Citizens National Bank of Texas
Waxahachie, TX
IDRSSD: 552161
Total Assets
$2.09B
Latest filing
Total Deposits
$1.80B
Latest filing
Net Interest Margin
5.47%
Profitability
Key People
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Locations
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Main Office
Citizens National Bank of Texas
200 N Elm St
Waxahachie, TX 75165
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1868FDIC Certificate 3794
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens National Bank of Texas (Main) | 200 N Elm St | Waxahachie, TX |
| CITIZENS NATIONAL BANK - UPTOWN | 1001 N Highway 77 | Waxahachie, TX |
| CITIZENS NATIONAL BANK - 287 | 1021 E Highway 287 | Midlothian, TX |
| CITIZENS NATIONAL BANK | 102 Harris Ave | Red Oak, TX |
| CITIZENS NATIONAL BANK | 106 West Hwy 1382 | Cedar Hill, TX |
| CITIZENS NATIONAL BANK OF TEXAS BRANCH | 500 E Ennis Ave | Ennis, TX |
| BURLESON BRANCH | 1651 Sw Wilshire Blvd | Burleson, TX |
| CNB OF TEXAS- WEATHERFORD BRANCH | 800 Santa Fe Dr | Weatherford, 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 | 07/01/1868 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75165 |
| State and County Number | 48139 |
| 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 | Dallas-Fort Worth-Arlington, TX |
Operational Info
| Number of Employees | 156 |
| 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.cnboftexas.com |
| Data Updated | 01/30/2026 |
| CERT | 5574 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.09B |
| Total Deposits | $1.80B |
| Total Liabilities | $1.84B |
| Total Equity Capital | $255.03M |
| Net Income | $10.50M |
| Net Loans and Leases | $1.81B |
| Assets Per Employee ($Millions) | $13.34M |
| Bank Premises and Fixed Assets | $47.33M |
| Cash and Balances due from Depository Institutions | $151.81M |
| Deposits Held in Domestic Offices | $1.80B |
Key Performance Ratios
| Return on Assets (ROA) | 2.04% |
| Return on Equity (ROE) | 16.97% |
| Net Interest Margin | 5.47% |
| Efficiency Ratio | 45.21% |
| Tier 1 Risk-Based Capital Ratio | 13.906% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.56% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.181% |
| Earning Assets to total Assets | 93.78% |
Income and Expense
| Total Interest Income | $33.58M |
| Total Noninterest Income | $3.72M |
| Total Interest Expense | $7.16M |
| Total Noninterest Expense | $13.63M |
| Net Interest Income | $26.43M |
| Pre-tax Net Operating Income | $13.62M |
| Provision for Credit Losses | $2.90M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $522.00k |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $250.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $18.68M |
| Total Liabilities and Capital | $2.09B |
Securities
| Securities | $24.75M |
| Available-for-sale debt securities | $250.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $24.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens National Bank of Texas?
$2.09B as of the latest filing.
How much are Citizens National Bank of Texas's total deposits?
$1.80B in total deposits.
Where is Citizens National Bank of Texas located?
Waxahachie, TX.
What is the Net Interest Margin?
5.47%.
How many domestic offices does it operate?
12.
When was it established?
07/01/1868.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$1.81B (latest filing).
What is the total interest income (latest filing)?
$33.58M.