Citizens National Bank (FDIC #3127): Bank Stress & Real-Estate Credit Exposure
Citizens National Bank (FDIC Cert #3127): bank stress 50/100, moderate, STABLE over 7 days; parent CENTRAL TEXAS FINANCIAL CORP.
Citizens National Bank (#3127) lends in 6 counties across 1 state; Citizens National Bank (#3127) reaches 120 ZIP codes: Texas 6 counties, 120 ZIPs.
Citizens National Bank (#3127) largest markets: Travis County, TX (63 branches, 63 ZIPs) (#3127), Williamson County, TX (108 branches, 27 ZIPs) (#3127), Bell County, TX (23 branches, 23 ZIPs) (#3127), Milam County, TX (56 branches, 14 ZIPs) (#3127), Lee County, TX (18 branches, 9 ZIPs) (#3127), Washington County, TX (7 branches, 7 ZIPs) (#3127).
Citizens National Bank (#3127) reports $691.8 million in total assets; Citizens National Bank (#3127) equity $85.3 million (12.3% of Citizens National Bank (#3127) assets); Citizens National Bank (#3127) domestic deposits $604.0 million; Citizens National Bank (#3127) net income $5.4 million; Citizens National Bank (#3127) return on assets 1.61%; Citizens National Bank (#3127) return on equity 12.99%; Citizens National Bank (#3127) net interest income $12.4 million; Citizens National Bank (#3127) call report June 30, 2026.
Citizens National Bank (#3127) noncurrent real-estate loans: none reported; Citizens National Bank (#3127) net charge-offs on real estate 0.00%.
Citizens National Bank (#3127) net interest margin 3.85% against an eight-quarter Citizens National Bank (#3127) average of 3.38% (Citizens National Bank (#3127) compression -0.47 points); Citizens National Bank (#3127) rate-exposure score 40/100, Citizens National Bank (#3127) fixed-rate trap 40/100; Citizens National Bank (#3127) risk type credit driven; Citizens National Bank (#3127) rate regime rates elevated, Citizens National Bank (#3127) snapshot October 20, 2026.
Citizens National Bank (#3127) stress score moved from 48.8 on June 22, 2026 to 50.2 on October 20, 2026; Citizens National Bank (#3127) ranged 48.8 to 50.2 over 117 snapshots.
Citizens National Bank (#3127) alerts: 6 counties; top Citizens National Bank (#3127) alert scores: Taylor County, TX 22 (low); Brenham County, TX 17 (low); Giddings County, TX 17 (low); Killeen County, TX 17 (low); Pflugerville County, TX 17 (low).