Bank · FDIC insured
Citizens National Bank at Brownwood
A $303.4M bank headquartered in Brownwood, TX, with 2 branches in Texas. Best rates: CDs 2.55% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs642.55%for 31–60 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank at Brownwood
Citizens National Bank at Brownwood is a hometown bank founded in 1934.
- Headquarters
- 1 Carnegie St, Brownwood, TX 76801
- FDIC certificate
- 14779 ↗
Branches
2 branches in Texas
Loading map…
Texas
2 branches
- Citizens National Bank at BrownwoodMain office1 Carnegie St, Brownwood, TX 76801Directions
- Brownwood Branch401 W Commerce St, Brownwood, TX 76801Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.47% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.74% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.47% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $41 | $81 | — |
- CapitalLeverage ratio10.47%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.74%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.47%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$41Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens National Bank at Brownwood are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.