Citizens Nb of Texas
Waxahachie, Texas · FDIC Cert #5574
This is the FDIC profile for Citizens Nb of Texas, an FDIC-insured bank (Certificate #5574) with $1.9B in total assets and $1.7B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Waxahachie, Texas, the bank maintains a Tier 1 capital ratio of 13.84% (Well-Capitalized) and a nonperforming loan ratio of 0.25%. BankHealthData assigns a composite Health Grade of A (82/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens Nb of Texas (FDIC cert 5574) is a mid-sized bank with $1.9B in total assets and $1.7B in deposits, based in Waxahachie, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.84% 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 clean: non-performing loan ratio of 0.25% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 16.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.98% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. 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 Nb of Texas carries a composite BankHealth grade of A (82/100) 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 Nb of Texas
- Total Assets
- $1.9B
- Total Deposits
- $1.7B
- Tier 1 Capital Ratio
- 13.84%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.25%
- Liquidity Ratio
- 16.76%
- Return on Assets
- 1.98%
- Headquarters
- Waxahachie, Texas
- FDIC Certificate
- #5574
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Citizens Nb of Texas files quarterly Call Reports with the FDIC under Certificate #5574. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Citizens Nb of Texas holds a Tier 1 capital ratio of 13.84%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Citizens Nb of Texas has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Citizens Nb of Texas shows strong financial health indicators. With $1.9B in assets and a Health Score of 82/100, 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 Nb of Texas Compares
Citizens Nb of Texas’s Health Score of 82 is 3 points below the Texas state average of 85 across 321 FDIC-insured banks. Its 13.84% Tier 1 capital ratio is 0.2 points below the US banking industry average near 14%. The 0.25% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.98% is in line with or above the national ROA benchmark of ~1.1%. Among 649 similarly-sized banks, the average Health Score is 78, meaning this bank ranks above its size cohort. Site-wide, Citizens Nb of Texas is 2 points above the portfolio average of 80.
Frequently Asked Questions
Citizens Nb of Texas has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.84%, 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 Nb of Texas's Tier 1 capital ratio of 13.84% and nonperforming loan ratio of 0.25% 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 Nb of Texas is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5574). 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 Nb of Texas holds $1.9B in total assets and $1.7B in total deposits. It is headquartered in Waxahachie, Texas (FDIC Certificate #5574).
Citizens Nb of Texas's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #5574 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Citizens Nb of Texas has a Tier 1 capital ratio of 13.84%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.25%, and the return on assets is 1.98%.
Yes. Citizens Nb of Texas is FDIC-insured (Certificate #5574). 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 Nb of Texas'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.