City National Bank of Taylor
Taylor, Texas · FDIC Cert #5548
City National Bank of Taylor is an FDIC-insured bank (Certificate #5548) with $240M in total assets and $215M in total deposits as of the Q2 2024 Call Report. Headquartered in Taylor, Texas, the bank maintains a Tier 1 capital ratio of 26.22% (Well-Capitalized) and a nonperforming loan ratio of 0.79%. BankHealthData assigns a composite Health Grade of A (88/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
City National Bank of Taylor (FDIC cert 5548) is a community bank — $240M in total assets, $215M in deposits, serving the Taylor, 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 26.22% 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 0.79% 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: 38.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is minimal: ROA of 0.11% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. City National Bank of Taylor carries a composite BankHealth grade of A (88/100) 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: City National Bank of Taylor
- Total Assets
- $240M
- Total Deposits
- $215M
- Tier 1 Capital Ratio
- 26.22%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.79%
- Liquidity Ratio
- 38.15%
- Return on Assets
- 0.11%
- Headquarters
- Taylor, Texas
- FDIC Certificate
- #5548
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, City National Bank of Taylor holds a Tier 1 capital ratio of 26.22%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning City National Bank of Taylor has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
City National Bank of Taylor shows strong financial health indicators. With $240M in assets and a Health Score of 88/100, 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 City National Bank of Taylor Compares
City National Bank of Taylor’s Health Score of 88 is 14 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 26.22% Tier 1 capital ratio is 12.2 points above the US banking industry average near 14%. The 0.79% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.11% is below the national ROA benchmark of ~1.1%. Among 1563 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, City National Bank of Taylor is 18 points above the portfolio average of 70.
Frequently Asked Questions
City National Bank of Taylor has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 26.22%, 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. City National Bank of Taylor's Tier 1 capital ratio of 26.22% and nonperforming loan ratio of 0.79% 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 City National Bank of Taylor is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5548). 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.
City National Bank of Taylor holds $240M in total assets and $215M in total deposits. It is headquartered in Taylor, Texas (FDIC Certificate #5548).
City National Bank of Taylor has a Tier 1 capital ratio of 26.22%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.79%, and the return on assets is 0.11%.
Yes. City National Bank of Taylor is FDIC-insured (Certificate #5548). 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%).
City National Bank of Taylor'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.