Citizens National Bank at Brownwood: how it compares with its peers
Against 140 TX banks with half to twice its assets, Citizens National Bank at Brownwood's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.44% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.45% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 4.20% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.38% | 61.72% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.7M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.90% | 68.62% | Context |
What it means for lending operations
Its efficiency ratio of 60.38% is better than the 61.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- ValueBank Texas Corpus Christi, TX · $304M
- Freedom Bank Alamo, TX · $301M
- Llano National Bank Llano, TX · $301M
- Sundown State Bank Sundown, TX · $308M
- First State Bank Graham, TX · $309M
- The Pecos County State Bank Fort Stockton, TX · $309M
Questions about Citizens National Bank at Brownwood
How big is Citizens National Bank at Brownwood?
Citizens National Bank at Brownwood, established in 1934, is headquartered in Brownwood, TX. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens National Bank at Brownwood's return on assets?
1.47% annualized in Q2 2026, against a 1.45% median for 140 TX banks with half to twice its assets, ahead of 52% of them.
What is Citizens National Bank at Brownwood's efficiency ratio?
60.38% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.72%, and lower is better.
Is Citizens National Bank at Brownwood growing its loans?
Net loans shrank 1.9% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.