Bank · FDIC insured
Citizens National Bank of Texas
A $2.2B bank headquartered in Waxahachie, TX, with 12 branches in 2 states. Best rates: CDs 4.33% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.33%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank of Texas
Citizens National Bank of Texas was founded in 1868 as Ferris and Getzendaner, Attorneys at Law and Bankers, before being capitalized as a national bank in 1884 and later renamed in 1905.
Primarily owned and led by four generations of the Singleton family since 1930, the bank operates 12 branch locations.
- Headquarters
- 200 N Elm St, Waxahachie, TX 75165
- FDIC certificate
- 5574 ↗
Branches
12 branches in 2 states
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Texas
11 branches
Waxahachie area · 3
- Citizens National Bank of TexasMain office200 N Elm St, Waxahachie, TX 75165Directions
- Citizens National Bank - Uptown1001 N Highway 77, Waxahachie, TX 75165Directions
- Cnb Bates Building Branch2001 Bates Dr, Waxahachie, TX 75167Directions
Burleson area · 1
- Burleson Branch1651 Sw Wilshire Blvd, Burleson, TX 76028Directions
Cedar Hill area · 1
- Citizens National Bank106 West Hwy 1382, Cedar Hill, TX 75104Directions
Cleburne area · 1
- Cnb Of Texas - Cleburne Branch300 Granbury St, Cleburne, TX 76033Directions
Ennis area · 1
- Citizens National Bank Of Texas Branch500 E Ennis Ave, Ennis, TX 75119Directions
Midlothian area · 1
- Citizens National Bank - 2871021 E Highway 287, Midlothian, TX 76065Directions
Red Oak area · 1
- Citizens National Bank102 Harris Ave, Red Oak, TX 75154Directions
Stephenville area · 1
- Stephenville Branch2207 W Washington St, Stephenville, TX 76401Directions
Weatherford area · 1
- Cnb Of Texas- Weatherford Branch800 Santa Fe Dr, Weatherford, TX 76086Directions
California
1 branch
- Cnb Of Texas Tahoe Branch3080 N Lake Blvd, Tahoe City, CA 96145Directions
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 | 12.20% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.42% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.49% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $102 | $88 | — |
- CapitalLeverage ratio12.20%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.42%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.49%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$102Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 of Texas are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.