🏦Bank Scorer

CITIZENS NATIONAL BANK AT BROWNWOOD

BROWNWOOD, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #14,779
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

1 Carnegie St, BROWNWOOD, TX

County

Brown County

Established

September 28, 1934

Total Assets

$296M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 29, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$296M

Total Deposits

$265M

Net Loans

$109M

Net Income

$1M

ROA

1.39%

ROE

14.49%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$261M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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