BlastPoint's Banking Scorecard

Citizens National Bank

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

Cameron, TX

13 branches across TX

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.32% above tier average
+ Efficiency Ratio 17.11% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.10% 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 ?	$668.0M +7.1% YoY +1.2% QoQ	+$281.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 14.2% in tier
Total Loans ?	$422.4M +0.2% YoY +1.1% QoQ	+$166.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$582.1M +6.1% YoY +1.1% QoQ	+$254.1M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 13.7% in tier
Return on Assets ?	1.59% +34.0% YoY +4.8% QoQ	+0.32%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.83% +20.1% YoY +7.7% QoQ	-0.10%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	48.18% -10.0% YoY -1.9% QoQ	-17.11%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 12.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-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 ?	72.57% -5.6% YoY +0.0% QoQ	-4.07%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	21.55% -1.2% YoY -0.2% QoQ	-0.47%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-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 ?	16.51% +0.3% YoY -3.2% QoQ	+0.68%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.06% -11.3% YoY -83.2% QoQ	-0.22%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	23%

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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 (0)

No matched strength signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (6 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

340

Efficiency Ratio

profitability

Value: 48.18%

Peer Median: 65.29%

#340 of 2664 Top 12.7% in $100M-$1B

367

Total Deposits

size

Value: $582.10M

Peer Median: $327.97M

#367 of 2664 Top 13.7% in $100M-$1B

380

Total Assets

size

Value: $668.02M

Peer Median: $386.08M

#380 of 2664 Top 14.2% in $100M-$1B

484

Total Loans

size

Value: $422.43M

Peer Median: $255.72M

#484 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (1 metrics)

2044

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2044 of 2664 Bottom 23.3% in $100M-$1B