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The City National Bank Of Sulphur Springs

Sulphur Springs, TX · Est. 1889 · Website ↗
A
Trust Grade
Excellent
Score: 96/100

The City National Bank Of Sulphur Springs is a bank based in Sulphur Springs, Texas, established in 1889, with $1.4 billion in total assets across 17 branches. By Trust Grade it ranks 209th of 349 banks we track in Texas. Its capital ratio of 9.6% trails most similarly sized banks (35th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.32% return on assets. No consumer complaints against The City National Bank Of Sulphur Springs appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.4B
$1B–10B institution
Deposits
$1.2B
Branches
17
Capital ratio
9.6%
Bottom 35% of $1B–10B peers · Texas median 10.9%
Return on assets
2.3%
Top 5% of $1B–10B peers · Texas median 1.38%
Rank in Texas
#209
of 349 banks

How The City National Bank Of Sulphur Springs compares to Texas peers

Capital ratio
Bottom 35% of $1B–10B peers
The City
9.6%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 5% of $1B–10B peers
The City
2.3%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded The City National Bank Of Sulphur Springs

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
n/a
Overall
A · 96
  • Strongly capitalized (9.6% capital ratio)
  • Strongly profitable (ROA 2.32%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The City National Bank Of Sulphur Springs over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (17)

  • 205 N Beaulah St, Hawkins, TX 75765
  • 1133 Mockingbird Ln, Sulphur Springs, TX 75482
  • 500 N 4th St, Wills Point, TX 75169
  • 210 S Main St, Winnsboro, TX 75494
  • 200 N Pacific St, Mineola, TX 75773
  • 101 Us Highway 67 E, Naples, TX 75568
  • 2454 S Fm 2869, Hawkins, TX 75765
  • 300 W Frank St, Grand Saline, TX 75140
  • 120 N Main St, Yantis, TX 75497
  • 501 E Goode St, Quitman, TX 75783
  • 201 Connally St, Sulphur Springs, TX 75482
  • 401 Hwy 59 N, Queen City, TX 75572
  • 875 W Dallas St, Canton, TX 75103
  • 711 E Lennon Dr, Emory, TX 75440
  • 895 Broadway Ave, Gladewater, TX 75647
  • 220 Jefferson St, Pittsburg, TX 75686
  • 101 W Main St, Atlanta, TX 75551

Are deposits at The City National Bank Of Sulphur Springs insured?

Yes. The City National Bank Of Sulphur Springs is an FDIC-insured bank (FDIC certificate #5544). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The City National Bank Of Sulphur Springs: frequently asked questions

Is The City National Bank Of Sulphur Springs a good bank?

The City National Bank Of Sulphur Springs earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Strongly profitable (ROA 2.32%).

Is The City National Bank Of Sulphur Springs FDIC-insured?

Yes. The City National Bank Of Sulphur Springs is a FDIC-insured bank (FDIC certificate #5544). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The City National Bank Of Sulphur Springs?

The City National Bank Of Sulphur Springs holds $1.4 billion in total assets, ranking 209th of 349 banks we track in Texas. It operates 17 branches.

Does The City National Bank Of Sulphur Springs have CFPB complaints?

No CFPB complaints against The City National Bank Of Sulphur Springs appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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