BlastPoint's Banking Scorecard
Citizens National Bank of Texas
Designations: ✓ Community bank
Waxahachie, TX
12 branches across TX · CA
Citizens National Bank of Texas has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 34.8% in tier
- + Net Interest Margin 1.46% above tier average
- + Efficiency Ratio 12.29% below tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 20.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+9.9% YoY
+0.8% QoQ
|
-$705.8M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$1.9B
+15.1% YoY
+4.2% QoQ
|
-$74.6M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$1.8B
+8.4% YoY
+0.7% QoQ
|
-$535.7M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
2.16%
+13.1% YoY
+2.9% QoQ
|
+0.79% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 7.0% in tier |
| Net Interest Margin ? |
5.28%
+8.0% YoY
+1.2% QoQ
|
+1.46% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 3.8% in tier |
| Efficiency Ratio ? |
48.77%
-6.2% YoY
+4.0% QoQ
|
-12.29% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.65%
+287.6% YoY
-25.9% QoQ
|
-0.23% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
104.57%
+6.2% YoY
+3.5% QoQ
|
+20.37% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.27%
-9.2% YoY
-1.7% QoQ
|
+3.99% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.79%
+24.9% YoY
+0.0% QoQ
|
+0.12% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
13.42%
-0.8% YoY
-3.5% QoQ
|
-1.74% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.13%
-13.8% YoY
-81.5% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
44% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.