Citizens National Bank Of Texas is a bank based in Waxahachie, Texas, established in 1868, with $2.1 billion in total assets across 12 branches. By Trust Grade it ranks 150th of 349 banks we track in Texas. Its capital ratio of 12.2% is stronger than 78% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.16% return on assets. No consumer complaints against Citizens National Bank Of Texas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens National Bank Of Texas compares to Texas peers
How we graded Citizens National Bank Of Texas
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.2% capital ratio)
- Strongly profitable (ROA 2.16%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens National Bank Of Texas over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 1001 N Highway 77, Waxahachie, TX 75165
- 1021 E Highway 287, Midlothian, TX 76065
- 102 Harris Ave, Red Oak, TX 75154
- 106 West Hwy 1382, Cedar Hill, TX 75104
- 200 N Elm St, Waxahachie, TX 75165
- 500 E Ennis Ave, Ennis, TX 75119
- 1651 Sw Wilshire Blvd, Burleson, TX 76028
- 800 Santa Fe Dr, Weatherford, TX 76086
- 2207 W Washington St, Stephenville, TX 76401
- 2001 Bates Dr, Waxahachie, TX 75167
- 300 Granbury St, Cleburne, TX 76033
- 3080 N Lake Blvd, Tahoe City, CA 96145
Are deposits at Citizens National Bank Of Texas insured?
Yes. Citizens National Bank Of Texas is an FDIC-insured bank (FDIC certificate #5574). 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.
Citizens National Bank Of Texas: frequently asked questions
Is Citizens National Bank Of Texas a good bank?
Citizens National Bank Of Texas earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.2% capital ratio); Strongly profitable (ROA 2.16%).
Is Citizens National Bank Of Texas FDIC-insured?
Yes. Citizens National Bank Of Texas is a FDIC-insured bank (FDIC certificate #5574). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens National Bank Of Texas?
Citizens National Bank Of Texas holds $2.1 billion in total assets, ranking 150th of 349 banks we track in Texas. It operates 12 branches.
Does Citizens National Bank Of Texas have CFPB complaints?
No CFPB complaints against Citizens National Bank Of Texas appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
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.
