Total Assets
$2.2B
Total Deposits
$1.9B
Branches
12
Established
1868
Citizens National Bank of Texas is a bank headquartered in Waxahachie, Texas, established in 1868. It holds $2.2B in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens National Bank of Texas earns a TFS Financial Health Grade of A- (86.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.0 / 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 Bank of TexasHQ | 200 N Elm St | Waxahachie | TX | 11 |
| Citizens National Bank of Texas | 3080 N Lake Blvd | Tahoe City | CA | 11 |
| Citizens National Bank of Texas | 1651 Sw Wilshire Blvd | Burleson | TX | 11 |
| Citizens National Bank of Texas | 106 West Hwy 1382 | Cedar Hill | TX | 11 |
| Citizens National Bank of Texas | 300 Granbury St | Cleburne | TX | 11 |
| Citizens National Bank of Texas | 500 E Ennis Ave | Ennis | TX | 11 |
| Citizens National Bank of Texas | 1021 E Highway 287 | Midlothian | TX | 11 |
| Citizens National Bank of Texas | 102 Harris Ave | Red Oak | TX | 11 |
| Citizens National Bank of Texas | 2207 W Washington St | Stephenville | TX | 11 |
| Citizens National Bank of Texas | 1001 N Highway 77 | Waxahachie | TX | 11 |
| Citizens National Bank of Texas | 2001 Bates Dr | Waxahachie | TX | 11 |
| Citizens National Bank of Texas | 800 Santa Fe Dr | Weatherford | TX | 23 |
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
86.0
Tier 1 capital ratio
12.20%
Return on assets
2.49%
Non-performing loans
1.42%
Efficiency ratio
45.89%
Asset growth (YoY)
10.94%
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.