Citizens Bank National Assn
Abilene, Texas · FDIC Cert #12309
Citizens Bank National Assn is an FDIC-insured bank (Certificate #12309) with $131M in total assets and $117M in total deposits as of the Q2 2024 Call Report. Headquartered in Abilene, Texas, the bank maintains a Tier 1 capital ratio of 12.80% (Well-Capitalized) and a nonperforming loan ratio of 1.03%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens Bank National Assn (FDIC cert 12309) is a community bank — $131M in total assets, $117M in deposits, serving the Abilene, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.80% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.03% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.68% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Citizens Bank National Assn carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens Bank National Assn
- Total Assets
- $131M
- Total Deposits
- $117M
- Tier 1 Capital Ratio
- 12.80%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.03%
- Liquidity Ratio
- 36.10%
- Return on Assets
- 0.68%
- Headquarters
- Abilene, Texas
- FDIC Certificate
- #12309
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens Bank National Assn holds a Tier 1 capital ratio of 12.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Citizens Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Citizens Bank National Assn shows strong financial health indicators. With $131M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Citizens Bank National Assn Compares
Citizens Bank National Assn’s Health Score of 83 is 9 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 12.80% Tier 1 capital ratio is 1.2 points below the US banking industry average near 14%. The 1.03% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.68% is below the national ROA benchmark of ~1.1%. Among 1276 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Citizens Bank National Assn is 13 points above the portfolio average of 70.
Frequently Asked Questions
Citizens Bank National Assn has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens Bank National Assn's Tier 1 capital ratio of 12.80% and nonperforming loan ratio of 1.03% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12309). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens Bank National Assn holds $131M in total assets and $117M in total deposits. It is headquartered in Abilene, Texas (FDIC Certificate #12309).
Citizens Bank National Assn has a Tier 1 capital ratio of 12.80%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.03%, and the return on assets is 0.68%.
Yes. Citizens Bank National Assn is FDIC-insured (Certificate #12309). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.