BlastPoint's Banking Scorecard
Citizens National Bank
Micro
Specialty: Other
TX
FDIC cert 24085
Designations: ✓ Community bank
Crockett, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens National Bank shows strong momentum with 4 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 33.94% below tier
- + Non-Interest-Bearing Deposit Share 26.56% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.2M
+5.6% YoY
+1.7% QoQ
|
-$114.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$36.6M
+5.8% YoY
+17.9% QoQ
|
-$102.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$90.2M
+4.4% YoY
+2.7% QoQ
|
-$93.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.94%
-35.5% YoY
+64.6% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
4.25%
-6.4% YoY
-0.9% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
80.62%
+16.5% YoY
-10.0% QoQ
|
+12.89% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
40.59%
+1.3% YoY
+14.9% QoQ
|
-33.94% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.95%
+1.3% YoY
-4.3% QoQ
|
+26.56% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.47%
-4.9% YoY
+27.6% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
40.59%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
48.95%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.95% · Tier avg: 22.39%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.59% · Tier avg: 74.53%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
25
25th pctile
Total Deposits
Current: $90.2M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $103.2M · Tier avg: $217.5M
20
20th pctile
Efficiency Ratio
Current: 80.62% · Tier avg: 67.73%
14
14th pctile
Total Loans
Current: $36.6M · Tier avg: $139.2M
Top Weaknesses
14
14th pctile
Total Loans
Current: $36.6M · Tier avg: $139.2M
20
20th pctile
Efficiency Ratio
Current: 80.62% · Tier avg: 67.73%
23
23th pctile
Total Assets
Current: $103.2M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $90.2M · Tier avg: $183.7M
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.59% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.95% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%