BlastPoint's Banking Scorecard

Citizens National Bank

$100M-$1B Specialty: Other TX FDIC cert 24085

Crockett, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Citizens National Bank has 4 strengths but faces 2 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

+ Credit Quality Leader: Top 40.4% in tier
+ Non-Interest-Bearing Deposit Share 25.38% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 24.6% in tier
- ROA 0.58% below tier average

Get updates when Citizens National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$105.9M +10.3% YoY +2.6% QoQ	-$280.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 2.0% in tier
Total Loans ?	$36.2M +4.7% YoY -1.2% QoQ	-$219.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.2% in tier
Total Deposits ?	$92.6M +10.6% YoY +2.6% QoQ	-$235.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 3.5% in tier
Return on Assets ?	0.69% -10.3% YoY -26.5% QoQ	-0.58%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	4.09% -6.8% YoY -3.8% QoQ	+0.16%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	84.08% +0.7% YoY +4.3% QoQ	+18.80%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 10.9% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	39.06% -5.4% YoY -3.8% QoQ	-37.58%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.0% in tier
Non-Interest-Bearing Deposit Share ?	47.40% -0.3% YoY -3.2% QoQ	+25.38%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.79% -4.0% YoY -2.1% QoQ	-3.04%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.12% -18.7% YoY -73.8% QoQ	-0.16%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Credit Quality Leader

growth

#269 of 664 • Top 40.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#103 of 414 • Bottom 24.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.08%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 47.40%

Peer Median: 22.02%

#58 of 2664 Top 2.1% in $100M-$1B

108

Loan-to-Deposit Ratio

liquidity

Value: 39.06%

Peer Median: 76.64%

#108 of 2664 Top 4.0% in $100M-$1B

Top Weaknesses (5 metrics)

2634

Total Loans

size

Value: $36.16M

Peer Median: $255.72M

#2634 of 2664 Bottom 1.2% in $100M-$1B

2613

Total Assets

size

Value: $105.94M

Peer Median: $386.08M

#2613 of 2664 Bottom 2.0% in $100M-$1B

2573

Total Deposits

size

Value: $92.57M

Peer Median: $327.97M

#2573 of 2664 Bottom 3.5% in $100M-$1B

2375

Efficiency Ratio

profitability

Value: 84.08%

Peer Median: 65.29%

#2375 of 2664 Bottom 10.9% in $100M-$1B

2124

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.27%

#2124 of 2664 Bottom 20.3% in $100M-$1B