The City National Bank of Sulphur Springs
Sulphur Springs, TX
IDRSSD: 596062
Total Assets
$1.35B
Latest filing
Total Deposits
$1.21B
Latest filing
Net Interest Margin
4.75%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The City National Bank of Sulphur Springs
201 Connally St
Sulphur Springs, TX 75482
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 3767
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The City National Bank of Sulphur Springs (Main) | 201 Connally St | Sulphur Springs, TX |
| HAWKINS OFFICE | 205 N Beaulah St | Hawkins, TX |
| MOCKINGBIRD LANE BRANCH | 1133 Mockingbird Ln | Sulphur Springs, TX |
| WILLS POINT BR | 500 N 4th St | Wills Point, TX |
| WINNSBORO BRANCH | 210 S Main St | Winnsboro, TX |
| MINEOLA BRANCH | 200 N Pacific St | Mineola, TX |
| NAPLES BRANCH | 101 Us Highway 67 E | Naples, TX |
| HOLLY LAKE BRANCH | 2454 S Fm 2869 | Hawkins, TX |
Showing 7 of 16
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 | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75482 |
| State and County Number | 48223 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | Sulphur Springs, TX |
Operational Info
| Number of Employees | 247 |
| Domestic Offices | 17 |
| 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.bankatcnb.bank |
| Data Updated | 01/30/2026 |
| CERT | 5544 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.35B |
| Total Deposits | $1.21B |
| Total Liabilities | $1.22B |
| Total Equity Capital | $132.74M |
| Net Income | $6.79M |
| Net Loans and Leases | $919.47M |
| Assets Per Employee ($Millions) | $5.32M |
| Bank Premises and Fixed Assets | $22.25M |
| Cash and Balances due from Depository Institutions | $95.74M |
| Deposits Held in Domestic Offices | $1.21B |
Key Performance Ratios
| Return on Assets (ROA) | 2.01% |
| Return on Equity (ROE) | 20.83% |
| Net Interest Margin | 4.75% |
| Efficiency Ratio | 54.38% |
| Tier 1 Risk-Based Capital Ratio | 14.317% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.819% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $19.53M |
| Total Noninterest Income | $3.16M |
| Total Interest Expense | $4.64M |
| Total Noninterest Expense | $9.88M |
| Net Interest Income | $14.90M |
| Pre-tax Net Operating Income | $7.87M |
| Provision for Credit Losses | $303.00k |
| 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 | $845.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.90M |
| Total Liabilities and Capital | $1.35B |
Securities
| Securities | $263.07M |
| Available-for-sale debt securities | $259.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.46M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The City National Bank of Sulphur Springs?
$1.35B as of the latest filing.
How much are The City National Bank of Sulphur Springs's total deposits?
$1.21B in total deposits.
Where is The City National Bank of Sulphur Springs located?
Sulphur Springs, TX.
What is the Net Interest Margin?
4.75%.
How many domestic offices does it operate?
17.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
2.01%.
How much are total loans and leases?
$919.47M (latest filing).
What is the total interest income (latest filing)?
$19.53M.