Citizens National Bank: how it compares with its peers
Against 90 TX banks with half to twice its assets, Citizens National Bank's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $6.0M peer median). Its weakest relative measure is efficiency ratio (83.86% vs. 64.88%).
| Measure | Citizens National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.69% | 1.35% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 4.17% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.86% | 64.88% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.0M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.90% | 57.79% | Context |
What it means for lending operations
Its efficiency ratio of 83.86% is above the 64.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Cowboy Bank of Texas Maypearl, TX · $109M
- First Capital Bank Quanah, TX · $107M
- The First National Bank of Anson Anson, TX · $105M
- The Lytle State Bank of Lytle, Texas Lytle, TX · $115M
- The Commercial Bank Mason, TX · $115M
- The First National Bank of Hebbronville Hebbronville, TX · $102M
Questions about Citizens National Bank
How big is Citizens National Bank?
Citizens National Bank, established in 1982, is headquartered in Crockett, TX. It reported $109M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens National Bank's return on assets?
0.69% annualized in Q2 2026, against a 1.35% median for 90 TX banks with half to twice its assets, ahead of 19% of them.
What is Citizens National Bank's efficiency ratio?
83.86% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 64.88%, and lower is better.
Is Citizens National Bank growing its loans?
Net loans grew 19.0% over the year to Q2 2026, while deposits grew 18.1%.
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.