Citizens National Bank of Texas: how it compares with its peers
Against 58 TX banks with half to twice its assets, Citizens National Bank of Texas's strongest measure in Q2 2026 is net interest margin (5.39% vs. a 3.92% peer median). Its weakest relative measure is efficiency ratio (45.89% vs. 56.85%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.49% | 1.54% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.39% | 3.92% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.89% | 56.85% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.6M | $8.6M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.25% | 77.51% | Context |
What it means for lending operations
Its efficiency ratio of 45.89% is better than the 56.85% 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
- Security State Bank & Trust Fredericksburg, TX · $2.18B
- Texas Community Bank Laredo, TX · $2.20B
- Falcon International Bank Laredo, TX · $2.25B
- Golden Bank, National Association Houston, TX · $2.28B
- Texas First Bank Texas City, TX · $2.35B
- First United Bank Dimmitt, TX · $2.41B
Questions about Citizens National Bank of Texas
How big is Citizens National Bank of Texas?
Citizens National Bank of Texas, established in 1868, is headquartered in Waxahachie, TX. It reported $2.19B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Citizens National Bank of Texas's return on assets?
2.49% annualized in Q2 2026, against a 1.54% median for 58 TX banks with half to twice its assets, ahead of 95% of them.
What is Citizens National Bank of Texas's efficiency ratio?
45.89% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 56.85%, and lower is better.
Is Citizens National Bank of Texas growing its loans?
Net loans grew 13.4% over the year to Q2 2026, while deposits grew 9.9%.
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.