Citizens National Bank: how it compares with its peers
Against 124 TX banks with half to twice its assets, Citizens National Bank's strongest measure in Q2 2026 is efficiency ratio (48.01% vs. a 60.54% peer median). Its weakest relative measure is net interest margin (3.85% vs. 4.19%).
| Measure | Citizens National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.42% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 4.19% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.01% | 60.54% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $7.8M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.86% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 48.01% is better than the 60.54% 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
- Southwest Bank Odessa, TX · $694M
- Capital Bank Jacinto City, TX · $690M
- First State Bank of Livingston Livingston, TX · $689M
- First Bank Burkburnett, TX · $704M
- TXN Bank Hondo, TX · $669M
- Pilgrim Bank Pittsburg, TX · $715M
Questions about Citizens National Bank
How big is Citizens National Bank?
Citizens National Bank, established in 1900, is headquartered in Cameron, TX. It reported $692M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Citizens National Bank's return on assets?
1.61% annualized in Q2 2026, against a 1.42% median for 124 TX banks with half to twice its assets, ahead of 60% of them.
What is Citizens National Bank's efficiency ratio?
48.01% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 60.54%, and lower is better.
Is Citizens National Bank growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits grew 9.8%.
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.