BlastPoint's Banking Scorecard
Citizens National Bank
Community
Specialty: Commercial
TX
FDIC cert 3127
Cameron, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Citizens National Bank shows strong momentum with 2 strengths and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 ? |
$660.2M
+6.6% YoY
+2.7% QoQ
|
-$731.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$417.8M
-0.9% YoY
-2.3% QoQ
|
-$557.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$575.9M
+5.4% YoY
+2.5% QoQ
|
-$588.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.51%
+37.7% YoY
+1.1% QoQ
|
+0.35% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.56%
+21.5% YoY
+2.2% QoQ
|
-0.11% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
49.09%
-13.8% YoY
+0.8% QoQ
|
-13.54% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.00%
-95.4% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
72.56%
-6.0% YoY
-4.7% QoQ
|
-10.51% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
21.60%
-5.8% YoY
-4.4% QoQ
|
+0.56% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.00%
-95.7% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
17.07%
+4.4% YoY
+5.3% QoQ
|
+6.82% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.34%
+6.6% YoY
+18.5% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, 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
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.07% · Tier avg: 10.24%
85
85th pctile
Efficiency Ratio
Current: 49.09% · Tier avg: 62.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.56% · Tier avg: 83.06%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.60% · Tier avg: 21.05%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
25
25th pctile
Total Deposits
Current: $575.9M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $660.2M · Tier avg: $1.4B
17
17th pctile
Total Loans
Current: $417.8M · Tier avg: $975.5M
Top Weaknesses
17
17th pctile
Total Loans
Current: $417.8M · Tier avg: $975.5M
23
23th pctile
Total Assets
Current: $660.2M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $575.9M · Tier avg: $1.2B
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.60% · Tier avg: 21.05%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.56% · Tier avg: 83.06%
85
85th pctile
Efficiency Ratio
Current: 49.09% · Tier avg: 62.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.07% · Tier avg: 10.24%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%