Total Assets
$691.8M
Total Deposits
$604.0M
Branches
12
Established
1900
Citizens National Bank is a bank headquartered in Cameron, Texas, established in 1900. It holds $691.8M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens National Bank earns a TFS Financial Health Grade of A (92.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
92.5 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens National BankHQ | 118 S Houston Ave | Cameron | TX | 11 |
| Citizens National Bank | 500 N Travis Ave | Cameron | TX | 23 |
| Citizens National Bank | 14300 Ronald Reagan Blvd. | Cedar Park | TX | 11 |
| Citizens National Bank | 102 Hoxie St | Coupland | TX | 11 |
| Citizens National Bank | 104 W Austin St | Giddings | TX | 11 |
| Citizens National Bank | 237 S Main St | Giddings | TX | 23 |
| Citizens National Bank | 1711 Central Texas Expwy | Killeen | TX | 11 |
| Citizens National Bank | 601 Fm 685 | Pflugerville | TX | 11 |
| Citizens National Bank | 1401 W Cameron Ave | Rockdale | TX | 11 |
| Citizens National Bank | 140 E Cameron Ave | Rockdale | TX | 11 |
| Citizens National Bank | 110 S Mays | Round Rock | TX | 11 |
| Citizens National Bank | 316 N Main St | Taylor | TX | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
92.5
Tier 1 capital ratio
12.73%
Return on assets
1.61%
Non-performing loans
0.00%
Efficiency ratio
48.01%
Asset growth (YoY)
10.14%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.