BlastPoint's Banking Scorecard

Citizens National Bank of Texas

$1B-$10B Specialty: Commercial TX FDIC cert 5574

Designations: ✓ Community bank

Waxahachie, TX

12 branches across TX · CA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +9.9% year over year ($1.9B on the books).
Delinquency rate 1.43%.
Return on assets 2.49%.
Efficiency ratio 45.89% vs a 59.73% peer average.
Loan-to-deposit ratio 101.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Citizens National Bank of Texas has 3 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

+ Profitability Leader: Top 36.0% in tier
+ Net Interest Margin 1.52% above tier average
+ Efficiency Ratio 13.83% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.57% above tier average

Get updates when Citizens National Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.2B +10.9% YoY +3.7% QoQ	-$604.4M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$1.9B +13.4% YoY +1.0% QoQ	-$53.4M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$1.9B +9.9% YoY +4.4% QoQ	-$432.6M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	2.49% +2.6% YoY +15.6% QoQ	+1.10%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 4.2% in tier
Net Interest Margin ?	5.39% +6.5% YoY +2.1% QoQ	+1.52%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 3.2% in tier
Efficiency Ratio ?	45.89% -6.8% YoY -5.9% QoQ	-13.83%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 13.7% in tier
Delinquency Rate ?	1.43% +43.7% YoY +118.9% QoQ	+0.57%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	101.25% +3.2% YoY -3.2% QoQ	+16.21%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 12.0% in tier
Non-Interest-Bearing Deposit Share ?	24.74% -8.1% YoY -2.1% QoQ	+3.47%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	1.45% +9.1% YoY +83.1% QoQ	+0.77%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 11.3% in tier
Tier 1 Capital Ratio ?	13.55% -0.9% YoY +1.0% QoQ	-1.29%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.27% -12.9% YoY +111.3% QoQ	-0.25%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	46%

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	24.7% -2.2pp YoY -0.5pp QoQ	+3.4pp	21.4%	29.2%	22.2%	70%
Brokered Deposits	7.0% +1.9pp YoY +0.7pp QoQ	-2.4pp	9.5%	8.0%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	10.4% +0.7pp YoY -0.6pp QoQ	-3.6pp	14.0%	14.8%	12.5%	46%
CRE	61.4% -4.9pp YoY -1.0pp QoQ	+11.4pp	50.0%	48.4%	41.4%	77%
1-4 Family	22.9% +3.1pp YoY +0.6pp QoQ	-3.6pp	26.4%	25.8%	31.3%	49%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-4.3pp	4.7%	4.7%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	13.6% -0.1pp YoY +0.1pp QoQ	-2.0pp	15.6%	22.7%	19.7%	51%
Leverage Ratio	12.2% 0.0pp YoY 0.0pp QoQ	+0.9pp	11.3%	12.6%	12.6%	78%
Total Capital Ratio	14.8% 0.0pp YoY +0.1pp QoQ	-1.9pp	16.7%	23.8%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	161 +3 (+1.9%) YoY +6 (+3.9%) QoQ	-153	313	186	482	27%
Assets per Employee ($)	$13.6M +8.9% YoY -0.1% QoQ	+$3.1M	$10.5M	$10.1M	$8.8M	85%
Branch Count	12 0 YoY 0 QoQ	-8	20	12	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.8% +0.5pp YoY +0.8pp QoQ	+0.6pp	0.2%	0.3%	0.4%	96%
Nonaccrual	0.6% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.8%	1.0%	1.0%	59%
Allowance Coverage	0.76x -23.0% YoY -54.8% QoQ	-17.95x	18.71x	18.82x	20.23x	14%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	20.6% -0.1pp YoY +2.9pp QoQ	+8.0pp	12.6%	13.2%	11.6%	91%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.6%	1.7%	25%
Net Income ($, YTD)	$26.5M +12.6% YoY — QoQ	+$7.3M	$19.2M	$15.9M	$40.4M	79%

Get Full Access to Citizens National Bank of Texas

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Profitability Leader

growth

#81 of 222 • Top 36.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.49%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.39%

Peer Median: 3.87%

#29 of 885 Top 3.2% in $1B-$10B

Return on Assets

profitability

Value: 2.49%

Peer Median: 1.39%

#38 of 885 Top 4.2% in $1B-$10B

122

Efficiency Ratio

profitability

Value: 45.89%

Peer Median: 59.73%

#122 of 885 Top 13.7% in $1B-$10B

Top Weaknesses (3 metrics)

786

Nonperforming Asset Ratio

credit_quality

Value: 1.45%

Peer Median: 0.67%

#786 of 885 Bottom 11.3% in $1B-$10B

780

Loan-to-Deposit Ratio

liquidity

Value: 101.25%

Peer Median: 85.04%

#780 of 885 Bottom 12.0% in $1B-$10B

724

Delinquency Rate

credit_quality

Value: 1.43%

Peer Median: 0.87%

#724 of 882 Bottom 18.0% in $1B-$10B