BlastPoint's Banking Scorecard

Citizens National Bank

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

Crockett, 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 +18.1% year over year ($95.2M on the books).
Delinquency rate 0.00%.
Return on assets 0.69%.
Efficiency ratio 83.86% vs a 64.48% peer average.
Loan-to-deposit ratio 38.90% 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 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 37.2% in tier
+ Non-Interest-Bearing Deposit Share 23.61% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.08% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 36.3% in tier
- ROA 0.63% below tier average

Get updates when Citizens National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$108.8M +16.5% YoY +2.7% QoQ	-$277.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 2.3% in tier
Total Loans ?	$37.0M +19.0% YoY +2.5% QoQ	-$221.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 1.1% in tier
Total Deposits ?	$95.2M +18.1% YoY +2.9% QoQ	-$231.5M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 4.3% in tier
Return on Assets ?	0.69% +8.4% YoY +0.1% QoQ	-0.63%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	4.06% -7.5% YoY -0.5% QoQ	+0.08%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	83.86% -2.7% YoY -0.3% QoQ	+19.38%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 9.9% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	38.90% +0.8% YoY -0.4% QoQ	-39.05%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 3.7% in tier
Non-Interest-Bearing Deposit Share ?	45.64% -1.3% YoY -3.7% QoQ	+23.61%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 2.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.82% -7.0% YoY +0.3% QoQ	-3.09%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.22% -18.5% YoY +82.0% QoQ	-0.34%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	57%

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	45.6% -0.6pp YoY -1.8pp QoQ	+23.5pp	22.1%	29.2%	22.2%	97%
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	16.5% +0.3pp YoY -2.9pp QoQ	+4.9pp	11.6%	14.8%	12.5%	80%
CRE	27.4% +1.9pp YoY +0.4pp QoQ	-12.2pp	39.5%	48.4%	41.4%	30%
1-4 Family	27.4% -1.3pp YoY +2.6pp QoQ	-5.3pp	32.6%	25.8%	31.3%	45%
Consumer	9.2% -4.4pp YoY -1.0pp QoQ	+5.1pp	4.1%	4.7%	5.0%	91%

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	12.8% -1.0pp YoY 0.0pp QoQ	+0.7pp	12.2%	12.6%	12.6%	73%
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	14 -1 (-6.7%) YoY 0 QoQ	-45	58	186	482	3%
Assets per Employee ($)	$7.8M +24.8% YoY +2.7% QoQ	+$252K	$7.5M	$10.1M	$8.8M	65%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	6.2% +0.4pp YoY +0.1pp QoQ	-6.0pp	12.2%	13.2%	11.6%	18%
Cost of Funds (YTD)	0.4% +0.1pp YoY 0.0pp QoQ	-1.3pp	1.7%	1.6%	1.7%	2%
Net Income ($, YTD)	$365,000 +20.1% YoY — QoQ	-$2.2M	$2.6M	$15.9M	$40.4M	8%

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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

#246 of 659 • Top 37.2% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#132 of 361 • Bottom 36.3% in tier

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

Why this signature

Efficiency Ratio: 83.86%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.64%

Peer Median: 22.03%

#73 of 2643 Top 2.7% in $100M-$1B

100

Loan-to-Deposit Ratio

liquidity

Value: 38.90%

Peer Median: 77.95%

#100 of 2643 Top 3.7% in $100M-$1B

Top Weaknesses (5 metrics)

2616

Total Loans

size

Value: $37.05M

Peer Median: $258.35M

#2616 of 2643 Bottom 1.1% in $100M-$1B

2582

Total Assets

size

Value: $108.78M

Peer Median: $386.57M

#2582 of 2643 Bottom 2.3% in $100M-$1B

2531

Total Deposits

size

Value: $95.23M

Peer Median: $326.73M

#2531 of 2643 Bottom 4.3% in $100M-$1B

2382

Efficiency Ratio

profitability

Value: 83.86%

Peer Median: 64.48%

#2382 of 2643 Bottom 9.9% in $100M-$1B

2153

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.32%

#2153 of 2643 Bottom 18.6% in $100M-$1B