# CITIZENS NATIONAL BANK
WINDSOR, VA · FDIC certificate 57320 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $49.8M | |
| Deposits | $43.8M | |
| Loans and leases | $43.5M | |
| Total equity | $5.7M | |
| Loans / deposits | 97.87% (p89 of band) | 75.02% |
| Liquid assets / assets | 8.57% (p4 of band) | |
| Uninsured deposits / deposits | 6.64% (p13 of band) | 15.14% |
| Brokered deposits | 1.01% | |
| Wholesale funding | 1.01% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.90% (p30 of band) | 11.04% |
| Unrealized securities loss / equity | -0.93% (p68 of band) | -2.21% |
| AOCI / equity | -0.47% (p66 of band) | |
| ROA (annualized) | -11.90% (p0 of band) | 0.95% |
| Net interest margin | 4.88% (p94 of band) | 3.73% |
| Efficiency ratio | 413.01% (p100 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.60% |
| Net charge-offs (annualized) | -0.02% (p13 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 196.00% (p99 of band) | |
| Auto loans | $21,000 (0.05% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | losing money, charge-offs p90 |  |
| 2013-06 | 2 |  | losing money, charge-offs p90 |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 3 | losing money, construction >100% equity |  |
| 2014-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking | losing money |
| 2014-06 | 2 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 1 |  | charge-offs p90, capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | expense ratio p90, deposits shrinking |  |
| 2016-09 | 4 | assets shrinking |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 5 |  | assets shrinking |
| 2017-12 | 6 | capital falling, losing money | deposits shrinking |
| 2018-03 | 5 |  | loans exceed deposits |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-02 [8 West Virginia sites added to National Register of Historic Places - wboy.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNRURMejU1b1hvQnF5cDVWd2JNbjV5aEdLaGhuTWxua21NdjJGdG1NcVI2V3lwdjl5aS1qblU1OGFjVGNGczJUdEJJYnZUcFEyV05XbThmZUNJbldSMGFScmJwb09VNm1CaDIyck9Obnk2cUZON1N0TkNiTmtISUFESXY4RXhPeFY0MHBuSmtqQV9sWjFDdzAyelcxMmY3aVJMMWo2RkNYR0UxOG520gGyAUFVX3lxTE9majZNSEVRWnpLX1NGd1J0MjM3YmtCUjlHWGtxZlhJeGM5d3NES1hpM3Z0WHAxbEdhamN6dEZwSlJ0dnZwRHNpa1FUeU5nb0hhbDgzU0s3SDlZVEllcUxYc0xDR1hSeWNGaV9VOW9EcW42YmlRS2NnTlVGYjZFVGt4V2g4czhLdktlQU1SYzFMMTdBRzAxVENNQ0dqSExfaFNBRFlXSF9PMkhJRW8yRkdaOHc?oc=5) · wboy.com
- 2026-02-02 [8 W.Va. Sites Added To National Register Of Historic Places - West Virginia Public Broadcasting](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbWtCRDlBS1pyX043VUZXY1E5X3pWOGlQa1YyVHZwWVhWXzhEVTdmbm8waEE5dWY0cWFJVXRLSlpYbDlqOEZ1MEtPOVY3MjdqZEU5WVN3UHBvUnp0S2dhaXl0dzRHRUk0Q20tVGpEdXBWSGJxcXR4cldZM19NeDF3aWZoRDJ1SjhfelpRd18yMVVrQjZZUkZHR0dSYWZ4VlNy?oc=5) · West Virginia Public Broadcasting
- 2026-06-18 [Alexandrians Then & Now: The Tracks Beneath King Street - thezebra.org](https://news.google.com/rss/articles/CBMigAFBVV95cUxPaWgzbGhjN3BnLS1rZkhUek1ISXU0QkRPYk9PWHIyYTJZSmt3eWtKZGxtQW9Fak9nMUdKeWlTOW16Ti11dTdPZlNaN0dheG44SWkxX0dFcFVBSWZlOElNODJnV2hPU3pOczY4NlJ4STB3MmFYMnM4Zy1CSjJLa1Rtbg?oc=5) · thezebra.org
- 2017-10-30 [Old Point Financial Corporation to Acquire Citizens National Bank - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxObTdoZlF0b0I4R1NINTJMRmdHRjFmV0k4OGNRT05GTnc5d2VtaVY4eGVTY0FvRGJ5Q19ZQzdYSWotMkQtOGd1VnNvd09fWktGcTBSb0ZQZjRTandMODNlTk9hY1V3TnZNdjloZGpXNXBVUFFaWTA3aEJEMDVTNFlxOUtxSlo5YVlnQ3JBWk05SWFzNEZiUXhVWEU2QmtDdjdoUm9FNWQtMm9lcFJNWmtpeFAwUEg3Q0lUMGZ2dGN3?oc=5) · PR Newswire
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2024-02-28 [Eric Faulkner officially CEO at Citizens National Bank - Bluffton Icon](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSUJCcVczZi12bGlxV3B0UnJPSkl0b2YzUlVXVWFZTlVEYU9sMDBqckF3dTZqQ3ZtaDJabWFnTnlVT2lsdmxXME9mZHo1blVPaGFHd0lSLTlkUnJKQzRnYkF1Q1IzNmFHQVc0QmU0aHlncmZNbkZ0ZkNFR0stYkd0czB5Z2FXc3k2MGlYZDZReW1jV3d6aDk0Rm1MWVY?oc=5) · Bluffton Icon
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57320 (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/40.json (key "57320", 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