Call reports 2025
CITIZENS NATIONAL BANK OF TEXAS — 2025
What CITIZENS NATIONAL BANK OF TEXAS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,919,111,000 | 1,972,923,000 | 2,026,072,000 | 2,093,733,000 |
| Total loans | 1,659,541,000 | 1,700,957,000 | 1,724,006,000 | 1,834,346,000 |
| Allowance for loan losses | 17,975,000 | 16,566,000 | 19,213,000 | 20,304,000 |
| Securities available for sale | 310,000 | 286,000 | 270,000 | 250,000 |
| Securities held to maturity | 19,733,000 | 21,218,000 | 21,203,000 | 24,689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,667,805,000 | 1,716,799,000 | 1,767,480,000 | 1,795,022,000 |
| Interest-bearing deposits | 1,203,811,000 | 1,254,599,000 | 1,268,713,000 | 1,333,283,000 |
| Noninterest-bearing deposits | 463,994,000 | 462,200,000 | 498,767,000 | 461,739,000 |
| Equity capital | 226,795,000 | 237,253,000 | 239,694,000 | 255,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 29,905,000 | 61,234,000 | 93,557,000 | 127,141,000 |
| Interest expense | 7,918,000 | 15,322,000 | 22,835,000 | 29,990,000 |
| Net interest income | 21,987,000 | 45,912,000 | 70,722,000 | 97,151,000 |
| Noninterest income | 2,877,000 | 6,189,000 | 10,875,000 | 14,592,000 |
| Noninterest expense | 12,933,000 | 25,649,000 | 38,750,000 | 52,378,000 |
| Provision for loan losses | 1,508,000 | 76,000 | 2,769,000 | 5,543,000 |
| Pretax income | 10,726,000 | 26,156,000 | 40,444,000 | 54,062,000 |
| Income tax | 1,555,000 | 2,586,000 | 9,280,000 | 12,401,000 |
| Net income | 9,171,000 | 23,570,000 | 31,164,000 | 41,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 223,531,000 | 233,990,000 | 236,424,000 | 251,761,000 |
| Total capital | 242,813,000 | 252,387,000 | 256,881,000 | 273,435,000 |
| Risk-weighted assets | 1,653,001,000 | 1,710,508,000 | 1,724,946,000 | 1,810,427,000 |