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Citizens National Bank at Brownwood

$100M-$1B Specialty: Other TX FDIC cert 14779

Brownwood, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +4.2% year over year ($272.4M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 1.47%.
  • Efficiency ratio 60.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 39.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Citizens National Bank at Brownwood has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 13.74% above tier average
  • + ROA 0.15% above tier average
  • + Efficiency Ratio 4.09% below tier average
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 28.5% in tier
  • - Capital Thin: Bottom 45.2% in tier
  • - Net Interest Margin 0.55% below tier average
Get updates when Citizens National Bank at Brownwood releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $303.4M
+4.3% YoY +2.5% QoQ
-$83.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $108.7M
-1.9% YoY -0.7% QoQ
-$149.6M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $272.4M
+4.2% YoY +2.8% QoQ
-$54.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.47%
-4.1% YoY +5.4% QoQ
+0.15% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.44%
+12.7% YoY +3.1% QoQ
-0.55% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 60.38%
+1.4% YoY -2.2% QoQ
-4.09% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.75%
+1.2% YoY -46.8% QoQ
-0.17% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 39.90%
-5.9% YoY -3.3% QoQ
-38.05% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 4.1% in tier
Non-Interest-Bearing Deposit Share ? 35.77%
+2.2% YoY +0.7% QoQ
+13.74% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 9.0% in tier
Nonperforming Asset Ratio ? 0.34%
+21.8% YoY -34.0% QoQ
-0.33% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 10.47%
-1.4% YoY +1.8% QoQ
-5.44% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.29%
-42.9% YoY +86.0% QoQ
-0.28% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 35.8%
+0.8pp YoY
+0.2pp QoQ
 +13.6pp 22.1% 29.2% 22.2% 91%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 20.3%
+1.9pp YoY
+0.3pp QoQ
 +8.7pp 11.6% 14.8% 12.5% 89%
CRE 23.9%
-1.7pp YoY
-1.5pp QoQ
 -15.6pp 39.5% 48.4% 41.4% 25%
1-4 Family 26.3%
+2.2pp YoY
+0.9pp QoQ
 -6.3pp 32.6% 25.8% 31.3% 43%
Consumer 4.6%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 4.1% 4.7% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 10.5%
-0.2pp YoY
+0.2pp QoQ
 -1.7pp 12.2% 12.6% 12.6% 40%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 43
+1 (+2.4%) YoY
0 QoQ
 -16 58 186 482 45%
Assets per Employee ($) $7.1M
+1.9% YoY
+2.5% QoQ
 -$462K $7.5M $10.1M $8.8M 53%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.4pp YoY
-0.3pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 68%
Nonaccrual 0.5%
+0.4pp YoY
-0.4pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 54%
Allowance Coverage 2.35x
+3.7% YoY
+92.1% QoQ
 -21.80x 24.15x 18.82x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.3%
-1.7pp YoY
+0.8pp QoQ
 +3.1pp 12.2% 13.2% 11.6% 70%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 14%
Net Income ($, YTD) $2.2M
+0.7% YoY
— QoQ
 -$337K $2.6M $15.9M $40.4M 57%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#359 of 1256 • Bottom 28.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.75%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk
#300 of 661 • Bottom 45.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.47%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

110
Loan-to-Deposit Ratio
liquidity
Value: 39.90%
Peer Median: 77.95%
#110 of 2643 Top 4.1% in $100M-$1B
239
Non-Interest-Bearing Deposit Share
funding
Value: 35.77%
Peer Median: 22.03%
#239 of 2643 Top 9.0% in $100M-$1B

Top Weaknesses (3 metrics)

2215
Tier 1 Capital Ratio
capital
Value: 10.47%
Peer Median: 15.91%
#2215 of 2643 Bottom 16.2% in $100M-$1B
2068
Total Loans
size
Value: $108.70M
Peer Median: $258.35M
#2068 of 2643 Bottom 21.8% in $100M-$1B
1987
Net Interest Margin
profitability
Value: 3.44%
Peer Median: 3.99%
#1987 of 2643 Bottom 24.9% in $100M-$1B
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