Citizens National Bank of Texas, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Citizens National Bank of Texas was founded in 1868 and is the third oldest independent bank in Texas. It is a full-service bank that offers the same, many times better, services as major, nationwide banks, but has kept its hometown approach to listening to and meeting the needs of its customers and the communities it serves.

CNB of Texas has 13 branches located in 8 cities: Waxahachie, Midlothian, Maypearl, Red Oak, Italy, Venus, Cedar Hill, and Ennis.

As the area has seen unprecedented growth, so too has Citizens National Bank of Texas. Started in law offices as a resource for loans and a safe haven for savings, the bank was originally founded in 1868. CNB of Texas' assets have risen to more than $550 million and our branch network has expanded to include 12 branches in 8 cities.

PO Box 717
Waxahachie, TX 75168

Phone: 972-938-4300
Toll Free: 1-877-938-4300
24-Hour Telebanking: 972-938-4344

Customer Contact Center Hours

M-F 7am - 10:30pm
Sat 9am - 5 pm
Sun 1pm - 5pm