Citizens National Bank of Texas
Waxahachie, TX · Owner: First Citizens Bancshares Inc
$2.2B
total assets, June 30, 2026
$2.2B
total assets, June 30, 2026
Citizens National Bank of Texas is a national bank based in Waxahachie, TX, owned by First Citizens Bancshares Inc. As of June 30, 2026 it held $2.2 billion in assets and $1.9 billion in deposits; assets were up 10.9% from a year before. It has 12 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.2B
+10.9% in a year · +3.7% in a quarter
Deposits
$1.9B
+9.9% in a year · +4.4% in a quarter
Loans
$1.9B
+13.5% in a year · +1.0% in a quarter
Profit so far
$26.5M
Jan 1 to Jun 30, 2026 · +12.6% in a year
Capital ratio
12.20%
+0.01 pts in a year
Return on assets
2.49%
+0.06 pts in a year
Facts
- Type
- National bank
- Head office
- 200 N Elm St, Waxahachie, TX, 75165
- County
- Ellis
- Holding company
- First Citizens Bancshares Inc
- Established
- Jul 1, 1868
- Employees
- 161
- Branches
- 12 in 2 states
- Website
- www.cnboftexas.com
- Id
- b5574
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
12 offices as of June 30, 2026, holding $1.9 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Texas | 11 | $1.8B | 97.1% |
| California | 1 | $55.1M | 2.9% |
| Largest branches | Place | Deposits |
|---|---|---|
| Citizens National Bank Of Texas (main office) | Waxahachie, TX | $678M |
| Citizens National Bank - 287 | Midlothian, TX | $328M |
| Citizens National Bank - Uptown | Waxahachie, TX | $247M |
| Citizens National Bank | Red Oak, TX | $153M |
| Citizens National Bank | Cedar Hill, TX | $152M |
| Citizens National Bank Of Texas Branch | Ennis, TX | $99.6M |
| Burleson Branch | Burleson, TX | $64.1M |
| Stephenville Branch | Stephenville, TX | $58.6M |
| Cnb Of Texas Tahoe Branch | Tahoe City, CA | $55.1M |
| Cnb Of Texas- Weatherford Branch | Weatherford, TX | $41.5M |
Related pages
Questions and answers
How big is Citizens National Bank of Texas?
$2.2 billion in total assets and $1.9 billion in deposits as of June 30, 2026, with assets up 10.9% from a year before. Its loans were $1.9 billion.
How many branches does Citizens National Bank of Texas have?
12 branches in 2 states as of June 30, 2026. The most deposits are in Texas ($1.8 billion).
Is Citizens National Bank of Texas profitable?
Yes: it earned $26.5 million from January 1 to June 30, 2026 (up 12.6% from the same months a year before). Its return on assets was 2.49% a year; about 1% is typical.
Who owns Citizens National Bank of Texas?
Citizens National Bank of Texas is owned by First Citizens Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.