BlastPoint's Banking Scorecard
Citizens National Bank of Texas
Community
Specialty: Commercial
TX
FDIC cert 5574
Waxahachie, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Citizens National Bank of Texas shows strong momentum with 2 strengths and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9% in Community
- + Net Interest Margin 1.55% above 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 ? |
$2.1B
+8.6% YoY
+3.3% QoQ
|
+$702.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.8B
+12.9% YoY
+6.4% QoQ
|
+$838.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$1.8B
+6.7% YoY
+1.6% QoQ
|
+$630.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
2.10%
+31.7% YoY
-1.1% QoQ
|
+0.93% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.22%
+14.1% YoY
+1.6% QoQ
|
+1.55% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
46.87%
-14.1% YoY
-1.3% QoQ
|
-15.76% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.88%
+183.5% YoY
-15.9% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
101.06%
+5.8% YoY
+4.8% QoQ
|
+18.00% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.72%
+3.0% YoY
-8.8% QoQ
|
+4.68% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.79%
+20.3% YoY
-35.1% QoQ
|
+0.29% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.91%
+2.5% YoY
+1.5% QoQ
|
+3.66% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.70%
-2.2% YoY
+29.8% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#34 of 371 · Top 9% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.22%
(Tier avg: 3.66%, National avg: 3.75%)
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
96
96th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.66%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.87% · Tier avg: 62.63%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 21.05%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 10.24%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.06% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.06% · Tier avg: 83.06%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 10.24%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 21.05%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
90
90th pctile
Efficiency Ratio
Current: 46.87% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.66%