BlastPoint's Banking Scorecard

Citizens National Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3127

Cameron, TX

13 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 +9.8% year over year ($604.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.61%.
Efficiency ratio 48.01% vs a 64.48% peer average.
Loan-to-deposit ratio 68.86% 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 1 concern

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 41.3% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.28% above tier average
+ Efficiency Ratio 16.47% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.14% 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 ?	$691.8M +10.1% YoY +3.6% QoQ	+$305.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 12.8% in tier
Total Loans ?	$415.9M -1.3% YoY -1.6% QoQ	+$157.5M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$604.0M +9.8% YoY +3.8% QoQ	+$277.2M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 11.9% in tier
Return on Assets ?	1.61% +6.7% YoY +1.3% QoQ	+0.28%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	3.85% +13.6% YoY +0.5% QoQ	-0.14%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	48.01% -1.0% YoY -0.4% QoQ	-16.47%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 13.1% 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 ?	68.86% -10.1% YoY -5.1% QoQ	-9.10%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	21.66% -4.0% YoY +0.5% QoQ	-0.37%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	53%
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 ?	17.18% +1.6% YoY +4.0% QoQ	+1.27%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.11% -49.8% YoY +98.5% QoQ	-0.45%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	23%

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	21.7% -0.9pp YoY +0.1pp QoQ	-0.5pp	22.1%	29.2%	22.2%	53%
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	3.4% +0.2pp YoY 0.0pp QoQ	-8.1pp	11.6%	14.8%	12.5%	11%
CRE	68.2% -1.1pp YoY -0.7pp QoQ	+28.6pp	39.5%	48.4%	41.4%	92%
1-4 Family	17.7% +0.4pp YoY +0.9pp QoQ	-14.9pp	32.6%	25.8%	31.3%	25%
Consumer	0.5% 0.0pp YoY 0.0pp QoQ	-3.6pp	4.1%	4.7%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	17.2% +0.3pp YoY +0.7pp QoQ	-1.6pp	18.8%	22.7%	19.7%	65%
Leverage Ratio	12.7% +0.4pp YoY +0.1pp QoQ	+0.6pp	12.2%	12.6%	12.6%	72%
Total Capital Ratio	18.4% +0.3pp YoY +0.7pp QoQ	-1.5pp	19.9%	23.8%	20.8%	65%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	86 +2 (+2.4%) YoY +2 (+2.4%) QoQ	+27	58	186	482	81%
Assets per Employee ($)	$8.0M +7.6% YoY +1.2% QoQ	+$526K	$7.5M	$10.1M	$8.8M	68%
Branch Count	13 +1 (+8.3%) YoY +1 (+8.3%) QoQ	+8	4	12	18	96%

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)	-0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.0% +0.1pp YoY +0.2pp QoQ	+0.8pp	12.2%	13.2%	11.6%	56%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	44%
Net Income ($, YTD)	$5.4M +15.2% YoY — QoQ	+$2.9M	$2.6M	$15.9M	$40.4M	89%

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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

#273 of 659 • Top 41.3% 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 (0)

No matched concern signatures this quarter

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 (7 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

315

Total Deposits

size

Value: $603.96M

Peer Median: $326.73M

#315 of 2643 Top 11.9% in $100M-$1B

338

Total Assets

size

Value: $691.81M

Peer Median: $386.57M

#338 of 2643 Top 12.8% in $100M-$1B

346

Efficiency Ratio

profitability

Value: 48.01%

Peer Median: 64.48%

#346 of 2643 Top 13.1% in $100M-$1B

508

Total Loans

size

Value: $415.86M

Peer Median: $258.35M

#508 of 2643 Top 19.2% in $100M-$1B

593

Tier 1 Capital Ratio

capital

Value: 17.18%

Peer Median: 15.91%

#593 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (1 metrics)

2047

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2047 of 2643 Bottom 22.6% in $100M-$1B