BlastPoint's Banking Scorecard
Citizens National Bank at Brownwood
Micro
Specialty: Other
TX
FDIC cert 14779
Designations: ✓ Community bank
Brownwood, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens National Bank at Brownwood faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 37.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.1M
+8.1% YoY
+2.8% QoQ
|
+$88.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$101.0M
-2.1% YoY
-6.4% QoQ
|
-$38.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$275.1M
+7.1% YoY
+3.1% QoQ
|
+$91.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.49%
+106.6% YoY
-8.0% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.15%
+24.2% YoY
+1.3% QoQ
|
-0.70% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
60.41%
-19.4% YoY
+3.5% QoQ
|
-7.32% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.16%
+43.3% YoY
+119.5% QoQ
|
+0.52% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
36.70%
-8.7% YoY
-9.2% QoQ
|
-37.82% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.06%
-2.1% YoY
-2.6% QoQ
|
+10.67% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.38%
+27.5% YoY
+99.8% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.86%
+44.1% YoY
+11.7% QoQ
|
+0.29% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
36.70%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.06% · Tier avg: 22.39%
76
76th pctile
Total Deposits
Current: $275.1M · Tier avg: $183.7M
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
73
73th pctile
Total Assets
Current: $306.1M · Tier avg: $217.5M
66
66th pctile
Efficiency Ratio
Current: 60.41% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
43
43th pctile
Total Loans
Current: $101.0M · Tier avg: $139.2M
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.70% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.70% · Tier avg: 74.53%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
43
43th pctile
Total Loans
Current: $101.0M · Tier avg: $139.2M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Efficiency Ratio
Current: 60.41% · Tier avg: 67.73%
73
73th pctile
Total Assets
Current: $306.1M · Tier avg: $217.5M
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
76
76th pctile
Total Deposits
Current: $275.1M · Tier avg: $183.7M
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.06% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%