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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cameron, TX · FDIC certificate #3127
CITIZENS NATIONAL BANK is an FDIC-insured institution based in Cameron, TX (FDIC certificate #3127). In its Q3 2026 Call Report it reported total assets of $742M, total deposits of $653M and net loans of $423M. Its primary federal regulator is OCC.
Plain-language readout
CITIZENS NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $742M in Q3 2026 and were lowest at $668M in Q1 2026.
Total deposits were highest at $653M in Q3 2026 and lowest at $582M in Q1 2026.
Over the whole period total assets rose 11.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $742M | $653M | $423M | 1.61% | 13.22% | 3.84% |
| Q2 2026 | $692M | $604M | $416M | 1.61% | 12.99% | 3.85% |
| Q1 2026 | $668M | $582M | $422M | 1.59% | 12.80% | 3.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $52.1M | $22.3M | +$29.8M | +133.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $200.3M | $200.2M | +$58K | +0.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $415.9M | $422.4M | -$6.6M | -1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.4M | $11.2M | +$231K | +2.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.1M | $11.8M | +$306K | +2.6% |
| Total assets | $691.8M | $668.0M | +$23.8M | +3.6% |
| Liabilities | ||||
| Total deposits | $604.0M | $582.1M | +$21.9M | +3.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $2.8M | -$204K | -7.4% |
| Total liabilities | $606.5M | $584.9M | +$21.7M | +3.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $1.5M | $1.5M | $0K | 0.0% |
| Retained earnings | $84.4M | $81.6M | +$2.8M | +3.4% |
| Accumulated other comprehensive income | -$2.1M | -$1.5M | -$637K | -42.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $85.3M | $83.1M | +$2.1M | +2.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $91.8M | $89.8M | +$2.0M | +2.2% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.18% | 16.51% | +0.67 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.18% | 16.51% | +0.67 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.43% | 17.76% | +0.67 pts | See points |
| Tier 1 leverage (approximate) | 12.73% | 12.67% | +0.06 pts | See points |
| Construction and land loans to total capital | 20.86% | 20.39% | +0.46 pts | See points |
| Commercial real estate to total capital | 237.14% | 255.02% | -17.88 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.08% | -2.23% | -0.85 pts | See points |
| Liquidity | ||||
| Core deposits | $547.5M | $537.5M | +$10.0M | +1.9% |
| Non-core funding | $56.4M | $44.6M | +$11.8M | +26.6% |
| Loans to core deposits | 77.14% | 79.83% | -2.69 pts | See points |
| Loans to deposits | 69.93% | 73.71% | -3.78 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 29.82% | 30.30% | -0.48 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $56.4M | $44.6M | +$11.8M | +26.6% |
| Earnings | ||||
| Earnings before provision, year to date | $6.9M | $3.4M | +$3.5M | +104.4% |
| Earnings before provision, single quarter | $3.5M | $3.4M | +$148K | +4.4% |
| Provision for credit losses, year to date | $27K | $14K | +$13K | +92.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.31% | 6.28% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.64% | +0.05 pts | See points |
| Total interest income to average assets | 5.24% | 5.19% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.76% | 1.85% | -0.08 pts | See points |
| Cost of savings and money market deposits | 1.79% | 1.72% | +0.07 pts | See points |
| Cost of time deposits | 3.14% | 3.12% | +0.02 pts | See points |
| Total interest expense to average assets | 1.55% | 1.53% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $742M | $653M | $423M | 1.61% | 13.22% | 3.84% |
| 2026-06-30 | $692M | $604M | $416M | 1.61% | 12.99% | 3.85% |
| 2026-03-31 | $668M | $582M | $422M | 1.59% | 12.80% | 3.83% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $550M | 0.04% | 182 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.