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Citizens National Bank Review

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Citizens National Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1900, Citizens National Bank has assets totaling $402 million as well as deposits totaling $357 million, which makes the institution a small bank. Citizens National Bank, whose headquarters are in Cameron, Texas, lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. SmartAsset experts rated Citizens National Bank 3.9 stars out of 5, suggesting it is a good bank that you should consider. Citizens National Bank provides customers with a varied selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Citizens National Bank has a fair savings rate compared to the average savings account. Obtaining a checking account with no monthly fee as well as a savings account with a high interest rate at the same institution is your best option for accruing the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Citizens National Bank features a savings rate of 0.10%, which is poor in comparison to the national average. Citizens National Bank's one-year CD earns at a rate of 0.70%, while its highest-yielding money market account earns at an APY of 0.10%. Given Citizens National Bank's noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits.

How Citizens National Bank's Savings Rates Compare

Citizens National Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Citizens National Bank has generally extremely low fees compared to the average U.S. bank. Additionally, it has an overdraft fee of $27.50, which is markedly less than the average U.S. overdraft fee. Citizens National Bank unfortunately does not reimburse out-of-network ATM charges, meaning you will be required to locate a Citizens National Bank ATM or accept the cost of withdrawal.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $27.50 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Citizens National Bank's mobile app allows you to manage your accounts by reviewing current statements, sending and receiving money as well as reaching support representatives. Citizens National Bank receives an exceptional consumer satisfaction score based on comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Citizens National Bank ranks as a small bank with assets totaling $402 million and deposits totaling $357 million. Citizens National Bank's Texas Ratio is 0.00%, suggesting that the bank is in terrific financial health and unlikely to fail. Additionally, Citizens National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Citizens National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $1
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 0.70% APY
  • 24 Month: 1.00% APY
  • 36 Month: 1.21% APY
$500 for all terms
Money Market Account 0.1% APY $2500

Citizens National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Citizens National Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Citizens National Bank's CD rates are fair as compared against the national average.

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Find a Citizens National Bank Near Me

Citizens National Bank has 11 physical branches across the U.S.

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