Compared with Texas
10 of 24
compared fees are above the median.
8 below, 6 about the same.
About the same: within 1% of the median.
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
61st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 24 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Texas median | Published fees above the Texas 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
Service charges were 2.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (61st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
10 of 24 compared published fees sit above the Texas median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Texas medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 6.6% from Q3 2025 to Q2 2026, to $170K. Its share of revenue, 2.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$170K
Citizens National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Citizens National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Citizens National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens National Bank by share.
Amounts from Citizens National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per month
per item · Product exception: Consumer Advantage Plus
per item
per item · Per 12 checks
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closed Account Fee (opened less than 60 days) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | 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 | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Undeliverable Statement Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Automated Overdraft Program Fee - Overdraft Charge | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (overdraft charge) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (returned item charge) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | Product exception: Consumer Advantage Plus |
| Foreign ATM Transaction (Product exception: Consumer Advantage Plus) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Fee: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Fee - Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Fee: Foreign Outgoing | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Fee: Foreign Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | Per 12 checks |
| Temporary Checks (12) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Items: Incoming | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of checks or deposits | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Unlimited bill pay transactions | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return of Deposited Item/Charge Back or Re-clear | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Processing Legal Orders (where allowed by law) (IRS Levy, State Comptroller Freeze or Levy, etc.) | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Processing Legal Orders (where allowed by law) | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Copy of statement | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Fax: Incoming | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax: Outgoing | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Citizens National Bank operates, and what regulators and customers have on file.
Branch footprint
13 offices in 1 state, $604.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $318.2M |
| 5 | $278.9M | |
| 1 | $6.9M |
Austin-Round Rock-San Marcos, TX
0.4% of bank deposits, #32 of 73, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.1% |
| Wells Fargo Bank, National Association | 14.8% |
| Texas Capital Bank | 13.8% |
| Bank of America, National Association | 10.3% |
| Frost Bank | 7.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Austin-Round Rock-San Marcos, TX, Citizens National Bank holds 0.4% of bank deposits, #32 of 73, with 5 offices.
556 offices of 100 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 73 institutions shown. $70.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.