BlastPoint's Banking Scorecard
Citizens National Bank at Brownwood
Brownwood, TX
2 branches across TX
Citizens National Bank at Brownwood has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.52% above tier average
- + ROA 0.12% above tier average
- + Efficiency Ratio 3.54% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29.7% in tier
- - Credit Risk Growth: Bottom 40.6% in tier
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$296.0M
+2.8% YoY
-3.3% QoQ
|
-$90.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$109.4M
+3.5% YoY
+8.3% QoQ
|
-$146.3M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$265.1M
+1.9% YoY
-3.7% QoQ
|
-$62.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.39%
-2.0% YoY
-6.2% QoQ
|
+0.12% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
3.34%
+11.0% YoY
+6.0% QoQ
|
-0.59% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
61.75%
+1.0% YoY
+2.2% QoQ
|
-3.54% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
1.41%
+78.0% YoY
+21.1% QoQ
|
+0.52% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
41.28%
+1.5% YoY
+12.5% QoQ
|
-35.36% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.54%
+2.7% YoY
+7.5% QoQ
|
+13.52% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 9.2% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+73.1% YoY
+35.7% QoQ
|
-0.12% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.28%
-1.3% YoY
-0.4% QoQ
|
-5.55% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.3% in tier |
| Non-Interest Income / Assets ? |
0.16%
-33.9% YoY
-81.9% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
75% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.