Bank · FDIC insured
Citizens National Bank
A $691.8M bank headquartered in Cameron, TX, with 13 branches in Texas. Best rates: CDs 4.10% and savings 0.55% APY.
Citizens National Bank Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#31 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank
Established in 1900, Citizens National Bank is a family-owned bank serving Central Texas communities across ten locations.
Founded by Hilliard Fort Smith, Sr., the bank expanded through acquisitions in towns including Giddings, Taylor, Rockdale, and Coupland.
- Headquarters
- 118 S Houston Ave, Cameron, TX 76520
- FDIC certificate
- 3127 ↗
Branches
13 branches in Texas
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Texas
13 branches
Austin area · 5
- Austin Branch14300 Ronald Reagan Blvd., Cedar Park, TX 78641Directions
- Coupland Branch102 Hoxie St, Coupland, TX 78615Directions
- Pflugerville Branch601 Fm 685, Pflugerville, TX 78660Directions
- Round Rock Branch110 S Mays, Round Rock, TX 78664Directions
- Taylor Branch316 N Main St, Taylor, TX 76574Directions
Cameron area · 2
- Citizens National BankMain office118 S Houston Ave, Cameron, TX 76520Directions
- Drive-In Facility500 N Travis Ave, Cameron, TX 76520Directions
Giddings area · 2
- Giddings Branch104 W Austin St, Giddings, TX 78942Directions
- Giddings Drive Thru Branch237 S Main St, Giddings, TX 78942Directions
Rockdale area · 2
- Rockdale Branch1401 W Cameron Ave, Rockdale, TX 76567Directions
- Rockdale Branch140 E Cameron Ave, Rockdale, TX 76567Directions
Brenham area · 1
- Brenham Branch317 S Austin St, Brenham, TX 77833Directions
Killeen area · 1
- Killeen Branch1711 Central Texas Expwy, Killeen, TX 76541Directions
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 | 12.73% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.61% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio12.73%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.61%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ 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 are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.