# CITY NATIONAL BANK
CORSICANA, TX · FDIC certificate 24367 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $62.0M | |
| Deposits | $52.5M | |
| Loans and leases | $42.9M | |
| Total equity | $8.1M | |
| Loans / deposits | 80.60% (p63 of band) | 73.59% |
| Liquid assets / assets | 26.63% (p36 of band) | |
| Uninsured deposits / deposits | 21.66% (p57 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.52% (p50 of band) | |
| FHLB advances / assets | 0.52% | |
| Tier 1 leverage | 13.54% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -5.15% (p56 of band) | -6.57% |
| AOCI / equity | -1.31% (p21 of band) | |
| ROA (annualized) | 0.36% (p14 of band) | 1.17% |
| Net interest margin | 3.94% (p50 of band) | 3.93% |
| Efficiency ratio | 91.22% (p90 of band) | |
| Noncurrent loans | 2.65% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 51.58% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 52.06% (p80 of band) | |
| Auto loans | $504,000 (1.18% of loans; DQ 0.99%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (22% of equity) (p99 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | assets shrinking |  |
| 2012-12 | 2 | capital falling, deposits shrinking | assets shrinking |
| 2013-03 | 3 | expense ratio p90, assets shrinking | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 0 |  | deposits shrinking, expense ratio p90, assets shrinking |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 2 | capital falling | expense ratio p90 |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 2 | assets shrinking |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | uninsured deposits leaving | capital falling |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | expense ratio p90 |  |
| 2024-12 | 1 | assets shrinking | expense ratio p90 |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 1 | assets shrinking |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Texas is on RBC's map to grow its City National Bank unit - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcWV3YVRieHd2ZjFtMUtVQzgtTFozbWJkMGNKNllHQldZX0tmanFHQmxEbm05WkcxUzFTM0FHRkRqaXVkSGlmcGpqeUFjVXpBVXdpczdHeGNEN3BvMUxldXpQbWZ0anpfUl80dkJrYnM4MlVLbEczeVhvXzBGdENGSUZ3YTl0S1lVMzdmMjRaTnIxUENNSnlV?oc=5) · American Banker
- 2026-09-04 [Tri City National Bank Goes Live with Alkami Digital Sales & Service Platform - FF News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcThGMEhNZzlvSnhROUo2UnMxZzNXVWlYRHRRa2k5M0RpZVZOOG1ydk91b29WNy1FQXcwRUQweUdvYWhCbEd2dlFMU01wcWtWdVVacHlNX0ROeEZKNF9VdThsUW1JN1Z6ck9PZnhoc2Fjb2N1SFl2Rm9aaV96VndLbXByRl9JVlRIQkxZVGFoU0hjS0Y4NWcySGNfWElJbFVxdHZQMTIzdw?oc=5) · FF News
- 2026-08-11 [City National Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTFBjYUNTOVNjTm9VdVg0R2hKSnhJMFdySmhuc3dPU0UtbTV4NXp3YS11ZHczZXA1eXotNjNOTUg2RnFUWktJeVZsWEJRUm55aVRjUnUxc2FLU3AwZnh4YjdXd3ZUYjQ5Mmp2TDh2ZVNfYlc0X1lTUWp2Qko3eFB2Zw?oc=5) · SmartAsset
- 2025-12-15 [LA bank calls Charlotte ‘a huge opportunity’ as it brings 120 jobs to uptown - Charlotte Observer](https://news.google.com/rss/articles/CBMieEFVX3lxTFB5ZzdQNjRCbVd2MkhNZTRzTU9iODRaMC1fOWVpYW9UaXo5UGxKOHVrLU51dFNWWlBOaDgtNUVIam5EanBTLUl6YnByM0VtcnhsdmRlVEFDOW5ERVlrYUR3V3dRU3llUmxJVmRZWGQ5YTYtaWJRRlF1WdIBeEFVX3lxTFBaOWc0T2pFWkhBMHlNM2tHdVZOYVU1N1B3Ny1Oa0Y4N1FQTkd3RFhFTFg2UmNXcnpBbVhYZTE3NlI3UHpjcTRkT1JiR0t2S2lmX1ZUaDNKbFVvazhDc2gyTTVQbnQySnhOenR0b0N6VFlrRGhVLXRHQw?oc=5) · Charlotte Observer
- 2026-08-31 [Sonora's Jayden Welborn voted Standard-Times Athlete of the Week, presented by City National Bank - gosanangelo.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOVVpJUVBwaUtVZC1RSGtVYzhOc2RlTXVyRFJrcFAyaW8zeklkNFFkaXBZZkFTZmlISUFfSk5NalZueldkbnZQckFQdUZYNnVONmhGYmkyZlpEU2lnY1Fpd2NOak5iaUR5dzhfMHhFQzVKS01Tem9UekZhV2JFdDkwQXBkcTBNbno0cERkYXU0Yjl3ZWo3WDBBZW9jakFVNm5SZEhrbjFqaVR0My1qelhkMTFaNHhQLUFlbG4zWUF2Vm9BQWFWNUsyLU9CRHowY3FJektfMU1yZEM?oc=5) · gosanangelo.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-11 [CVHP joins City National Bank, Pinch for blood drive - conchovalleyhomepage.com](https://news.google.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?oc=5) · conchovalleyhomepage.com
- 2025-02-28 [Failed Bank Information for City National Bank of New Jersey, Newark, NJ - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWGFidU5LcG1CWS1SbG1LeDNrMmZydUJmWlUtVnA3UE0wZVY4S3J4OFFSb0ZDbjhvNVEwTE5xMG5oUW5ZYUFvbHRiNUxyQ1FkME5kbWNZamx6Nm1lMDQ5Z0RabEdaWmJpQTRrOWRVd1JNQXZINnZHbWRFbG1qR3VmZmlKVFNsRWRJaFBXcERDTzk?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24367 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "24367", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide