Citizens National Bank

Headquarters: Cameron, Texas
Charter: Bank
Assets: $691.8M
Fed district: Dallas

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 16, 2026

How these figures are measured

Call-report figures are for Citizens National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Citizens National Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Citizens National Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $170K in Q2 2026, 2.4% above the same quarter a year earlier ($166K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Citizens National Bank: $5
Citizens National Bank: $5
U.S. median: no median
Overdraft (OD)
Citizens National Bank: $32
Citizens National Bank: $32
U.S. median: no median
NSF / Returned Item
Citizens National Bank: $32
Citizens National Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.6% from Q3 2025 to Q2 2026, to $170K.

Service-charge income, Q2 2026

$170K

$182KQ3 2025

$167KQ4 2025

$160KQ1 2026

$170KQ2 2026

Against the median

Citizens National BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Citizens National Bank · $692M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$674M to $713M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Citizens National Bank(this institution)	Cameron, TX	$692M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankOrion	Orion, IL	$688M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital Bank	Jacinto City, TX	$690M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Constitution Bank, National Association	Hillsboro, IL	$683M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eagle Bank	Everett, MA	$709M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers Bank	Buhl, ID	$678M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Finance Factors, Ltd.	Honolulu, HI	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank	Burkburnett, TX	$704M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Community Bank of Central Alabama	Wetumpka, AL	$694M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings Bank	Rochester, IN	$687M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank of Livingston	Livingston, TX	$689M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank	Antlers, OK	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Geddes Federal Savings and Loan Association	Syracuse, NY	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Henderson State Bank	Henderson, NE	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Legacy Bank	Hinton, OK	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
New Tripoli Bank	New Tripoli, PA	$674M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Trust Bank, National Association	Salem, OR	$713M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Putnam County Bank	Hurricane, WV	$704M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Springs Valley Bank & Trust Company	French Lick, IN	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens National Bank of Somerset	Somerset, KY	$701M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Hardin County Bank	Savannah, TN	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Stephenson National Bank and Trust	Marinette, WI	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Time Bank	Park Ridge, IL	$713M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Bank	Mena, AR	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Yampa Valley Bank	Steamboat Springs, CO	$688M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (38%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $8 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens National BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Citizens National Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $170K
vs prior quarter: +$10K+6.3%; from Q1 2026
vs a year earlier: +$4K+2.4%; from Q2 2025
vs start of range: +$2K+1.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Citizens National Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$170K	+$10K	+6.3%
Q1 2026	$160K	−$7K	−4.2%
Q4 2025	$167K	−$15K	−8.2%
Q3 2025	$182K	+$16K	+9.6%
Q2 2025	$166K	+$1K	+0.6%
Q1 2025	$165K	+$5K	+3.1%
Q4 2024	$160K	−$8K	−4.8%
Q3 2024	$168K	+$16K	+10.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Citizens National Bank’s own schedules, with a source for each figure.

Account Maintenance

Account maintenance fee$5
Closed Account Fee (opened less than 60 days)$20
Account Balancing Assistance (one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statements$3
per month
Undeliverable Statement Fee (audience not stated, treated as personal)$5

Overdraft & NSF

Automated Overdraft Program Fee - Overdraft Charge$32
Non-Sufficient Funds (overdraft charge)$32
Non-Sufficient Funds (returned item charge)$32
Overdraft Protection Transfer Fee$5

ATM & Card

Foreign ATM Balance Inquiry$1
per item · Product exception: Consumer Advantage Plus
Foreign ATM Transaction (Product exception: Consumer Advantage Plus)$1
Debit Card Replacement Fee$7.50

Wire Transfers

Wire Fee: Domestic Outgoing$20
Wire Fee - Domestic Incoming$15
per item
Wire Fee: Foreign Outgoing$25
Wire Fee: Foreign Incoming$15

Check Services

Cashier’s Check$5
Personal Money Orders$3
Stop Payment Order$32
Temporary Checks$5
per item · Per 12 checks
Temporary Checks (12)$5
Collection Items: Incoming$10
Copy of checks or deposits$0.50
per item

Digital & Electronic

Unlimited bill pay transactionsNo charge

Cash & Deposit

Return of Deposited Item/Charge Back or Re-clear$10

Account Services

Processing Legal Orders (where allowed by law) (IRS Levy, State Comptroller Freeze or Levy, etc.)$150
Processing Legal Orders (where allowed by law)$150

Other Fees

Copy of statement$3
Not compared: Charged per page; comparison unavailable
per page
Fax: Incoming$2
per item
Fax: Outgoing$1
per item
Photocopies$0.25

Fee	Amount	Basis	Note
Account Maintenance
Account maintenance fee	$5	Not stated	None
Closed Account Fee (opened less than 60 days)	$20	Not stated	None
Account Balancing Assistance (one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statements	$3	per month	None
Undeliverable Statement Fee (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
Automated Overdraft Program Fee - Overdraft Charge	$32	Not stated	None
Non-Sufficient Funds (overdraft charge)	$32	Not stated	None
Non-Sufficient Funds (returned item charge)	$32	Not stated	None
Overdraft Protection Transfer Fee	$5	Not stated	None
ATM & Card
Foreign ATM Balance Inquiry	$1	per item	Product exception: Consumer Advantage Plus
Foreign ATM Transaction (Product exception: Consumer Advantage Plus)	$1	Not stated	None
Debit Card Replacement Fee	$7.50	Not stated	None
Wire Transfers
Wire Fee: Domestic Outgoing	$20	Not stated	None
Wire Fee - Domestic Incoming	$15	per item	None
Wire Fee: Foreign Outgoing	$25	Not stated	None
Wire Fee: Foreign Incoming	$15	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Personal Money Orders	$3	Not stated	None
Stop Payment Order	$32	Not stated	None
Temporary Checks	$5	per item	Per 12 checks
Temporary Checks (12)	$5	Not stated	None
Collection Items: Incoming	$10	Not stated	None
Copy of checks or deposits	$0.50	per item	None
Digital & Electronic
Unlimited bill pay transactions	No charge	Not stated	None
Cash & Deposit
Return of Deposited Item/Charge Back or Re-clear	$10	Not stated	None
Account Services
Processing Legal Orders (where allowed by law) (IRS Levy, State Comptroller Freeze or Levy, etc.)	$150	Not stated	None
Processing Legal Orders (where allowed by law)	$150	Not stated	None
Other Fees
Copy of statement	$3Not compared: Charged per page; comparison unavailable	per page	None
Fax: Incoming	$2	per item	None
Fax: Outgoing	$1	per item	None
Photocopies	$0.25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Citizens National Bank operates, and what regulators and customers have on file.

Market position

In Austin-Round Rock-San Marcos, TX, Citizens National Bank holds 0.4% of bank deposits, #32 of 73, with 5 offices.

Compare fees with the 67 Austin-Round Rock-San Marcos, TX banks and credit unions in its home-metro peer set →

Offices in the metro

556 offices of 100 institutions shown.

Citizens National BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Austin-Round Rock-San Marcos, TX metro (FDIC metro code 12420), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 23 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association18.1%
2Wells Fargo Bank, National Association14.8%
3Texas Capital Bank13.8%
4Bank of America, National Association10.3%
6PNC Bank, National Association3.2%
7Prosperity Bank2.9%
8Horizon Bank, SSB2.8%
9PlainsCapital Bank2.2%
32Citizens National Bank0.4%

9 of 73 institutions shown. $70.4B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Austin-Round Rock-San Marcos, TX metro (FDIC metro code 12420)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.4% share, 5 offices, #32 of 73

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Austin-Round Rock-San Marcos, TX metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

159 offices of 29 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Get an email when Citizens National Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.