City National Bank: how it compares with its peers
Against 47 TX banks with half to twice its assets, City National Bank's strongest measure in Q2 2026 is net interest margin (3.94% vs. a 4.00% peer median). Its weakest relative measure is efficiency ratio (91.22% vs. 72.49%).
| Measure | City National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.36% | 1.06% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 4.00% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 91.22% | 72.49% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $5.5M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.60% | 44.14% | Context |
What it means for lending operations
Its efficiency ratio of 91.22% is above the 72.49% 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
- Commerce Bank Texas Stockdale, TX · $61M
- Kress National Bank Kress, TX · $64M
- Producer Bank of Texas Powell, TX · $59M
- First State Bank Junction, TX · $58M
- Crowell State Bank Crowell, TX · $57M
- The First National Bank in Cooper Cooper, TX · $57M
Questions about City National Bank
How big is City National Bank?
City National Bank, established in 1983, is headquartered in Corsicana, TX. It reported $62M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is City National Bank's return on assets?
0.36% annualized in Q2 2026, against a 1.06% median for 47 TX banks with half to twice its assets, ahead of 17% of them.
What is City National Bank's efficiency ratio?
91.22% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 72.49%, and lower is better.
Is City National Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits shrank 1.4%.
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.