# CITIZENS NATIONAL BANK
CAMERON, TX · FDIC certificate 3127 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $691.8M | |
| Deposits | $604.0M | |
| Loans and leases | $422.4M | |
| Total equity | $85.3M | |
| Loans / deposits | 68.86% (p24 of band) | 82.04% |
| Liquid assets / assets | 36.48% (p77 of band) | |
| Uninsured deposits / deposits | 31.09% (p70 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.73% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -3.16% (p72 of band) | -8.10% |
| AOCI / equity | -1.82% (p9 of band) | |
| ROA (annualized) | 1.61% (p70 of band) | 1.28% |
| Net interest margin | 3.85% (p46 of band) | 3.91% |
| Efficiency ratio | 48.01% (p14 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 92% | |
| Construction % of loans | 22.93% (p29 of band) | |
| Auto loans | $467,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 86 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | NIM <2.5% |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | deposits shrinking, assets shrinking |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | construction >100% equity |  |
| 2021-12 | 1 |  | construction >100% equity |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-20 [Citizens National Bank breaks ground on new permanent site in Brenham - SouthTexasNews.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxPcVY4OVlJOElWYThfZVhWUGltRE43VURDS0d5YXVoQkF5ODZhWEIzS0ZmNzBvNW1JbGJ1WFZJaWxOVkRQSl9VLWFLSVZjdUFqVFBUeFVTYW42NnpXV2ZmM2pDbnhxUjhGSjI2dEd4a25qa3lWVGdIbjJOeUdfVWl2WEJNbzNyNnd6X3kwSl9PWkNkXzBLLUhGTGlRemw4SE1rQUczQXprU1RTcmRnd2JMcmJaNVFxaDZGUHZCQ1JxckhxbVpGaDFSVEQ2R0doTE8zUTZjeURRa2NfQXNPS09ybHZWdkhWX05uR0dUcVNMTldjY1Q2cUhnRXF5RVlGYWlG?oc=5) · SouthTexasNews.com
- 2026-08-20 [Citizens National Bank breaks ground on new permanent site in Brenham - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQTDlkeUg5aGotdUh6eFVtdUhSZVVUTFhRa0s3bGRZaC1ONmxKcGVKU05YYW40eEFJU0lVUTEwY1RRbmhlNUlGZDBWc3FhUTVWRENkRFRjQkN4NDQxdlJ6Sk5aRnNjUzYzbm5wd0hzcWN1bm5RNGk5VUJtMUNnTDkyem0tcVZyLURKYzRmelBuNXBlY1p4NTFFcDM4dk1jM215S0lmem1oNzkwb3BZRWtKUE5mWFVIZklITGV4N3NZMFpucW9aYlJHZGt0cWllcGZJVDdqTExjcHdpZHRTbFRhRll2Nm0?oc=5) · The Killeen Daily Herald
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-21 [Kicks for Kids collection ongoing, event slated for Aug. 7 at Citizens National Bank - Brownwood News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPaFRQLVFJNVpKd0ZSUlEwSzY3enotMzFNbWdmYmNneVVnLWJ3UW9mUjRVcE5pcW1PQWFwMTQ1TEhxMlAyeFMzdnZibmlSLXhrcTNBSnBMazRvUFhNRmk5NWNUVnBGZldIMHk3VEVHOUpKbDlPRkE0ajNiUElaQkhPYWwwaGZLZ1VGeElFVEduY1RXYVBJZGhzY05ZMDlqTG1BamJCZW53QTRSUEl1TEpaZEpMWE9sMXlXNTl6UHZ5UFZzQQ?oc=5) · Brownwood News
- 2026-02-18 [Citizens National Bank opens Brenham location - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQQUxGS09tV1BiWlhDUHNvSXhTd0tuMGVWOWtKbmJuSjZMckZ2TnIteHhydUxiQ2F4NUUxU21SS3NBRjU3dEtnanJhZWdZMU1TZ2duaVU0aFowbzZIcWVtS25EWlFTSU4tVEt4ekQ2d3pCdHJQWldsVUw5NTAxZzhVVWpmZGxpbXJrLUJ1UWx3MWExT1NVUGwzNklLb0FXVkJZUUlyd2VNbHlLRnBlWjhuYk8xbnBjRmpmeVVkQk1lX0hMNFVoTFhMa3pkZ2tqTXN0TGllNnFPNXNBdHRJVHV1SQ?oc=5) · SouthTexasNews.com
- 2019-01-14 [Citizens National Bank changes name - KLTV.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5NbG5rNll5U2dNOUhpVHZqV2hVbmdMNTlUOEsxREtGeUY1RWp4MmpfbXJaTldsbVdwWi1KZFFvcUxtZ05ycEdWNmdRTjBZNGZxMlFuMnpIUlZpZzJ1OXBRNTVhRUxMVlV3emo1T1FnSkk1b0RCaDhR0gGLAUFVX3lxTE9LUHlmOEZWUklwRC1xa3FhaDR2NDlIdjVRUUhVUGZFRDV3eGhLRk1BWWNjWllfOFgxcV80Y0tSN3VzOENnY2tnNHlEMVRmaGZUeHRZVHdmalByNjZtNVk1MVlSNF9EX05wZlVqRHNLSmhhZWFoRnRROUlJZzh4eUNMdVR1MEUwMi1vRmc?oc=5) · KLTV.com
- 2025-02-10 [Citizens National Bank relocates to Cedar Park, Leander border, celebrates 125 years - Community Impact](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOWGlaYzlkcEZXaFY0R3hPeE9zUDVTVC1kUEo5Z0xaMkktZ1ktNUp1bDQwRXdWbklWVlFTd3g0TDdXRHdQaEhkMFdBSFBhZnV2Q09IOTRhU3VNcGNvX0t0RDZjMk5VSjFmYllidnN0UkUxQWpQQl9XS1JXbVdlRnJJcmJ5R1FIQjNVbzZPeEpOeng2eGhSTERvcUk3bUo3WDJwb2ROQ0tMSDYxbmktT3VXcEFIOVAyUzdtVS1zaU13N0xWWmh0V2h2akdRd20zN3AzYXlLTGN4NENYMFYwQWtZclRYMkxrdw?oc=5) · Community Impact
- 2023-08-10 [DFW Bank Snapshot: Take a closer look at Citizens National Bank of Texas - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPd3JzdGlTekFSV1BvYXd6bXp3WWxiclJ6NVBMWGlldjRGWjBqVnlpckozRmx0TmJoX1VqRExZaVlVZVdHSFE2NzhST1JnY3FXZGFqLWVzTG52NllxYm9hM080Y183M0hrdkE3S1EwSjBuYXZHR0FKZy15eFVETjljVllZV2Z4VDhlWUhMenV0alNESkE3ODRUR1Ztalo?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3127 (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/55.json (key "3127", 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