Applications / Mortgage Analytics / Lenders / Texas / Citizens National Bank of Texas / Competition
Citizens National Bank of Texas
Waxahachie, TX · National bank · OCC · $2.1 billion assets · 115 loans in 2025
Citizens National Bank of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
115
loans originated, 2025
176
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Who Citizens National Bank of Texas competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
Citizens National Bank of Texas ranks 266th of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $29.6M lent: 0.0% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
Citizens National Bank of Texas ranks 117th of 574 lenders in Sacramento-Roseville-Folsom, CA, with $28.5M lent: 0.1% of a $20.30B market.
Sacramento-Roseville-Folsom, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO TEXAS, 2025
Citizens National Bank of Texas ranks 242nd of 831 lenders in non-metro Texas, with $8.2M lent: 0.1% of a $10.46B market.
non-metro Texas is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 27% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
Citizens National Bank of Texas ranks 317th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $6.5M lent: 0.0% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — KILLEEN-TEMPLE, TX, 2025
Citizens National Bank of Texas ranks 77th of 394 lenders in Killeen-Temple, TX, with $5.8M lent: 0.2% of a $3.21B market.
Killeen-Temple, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — VALLEJO, CA, 2025
Citizens National Bank of Texas ranks 207th of 363 lenders in Vallejo, CA, with $1.3M lent: 0.0% of a $3.45B market.
Vallejo, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — OKLAHOMA CITY, OK, 2025
Citizens National Bank of Texas ranks 328th of 534 lenders in Oklahoma City, OK, with $810K lent: 0.0% of a $8.31B market.
Oklahoma City, OK is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — TAMPA-ST. PETERSBURG-CLEARWATER, FL, 2025
Citizens National Bank of Texas ranks 745th of 925 lenders in Tampa-St. Petersburg-Clearwater, FL, with $405K lent: 0.0% of a $26.60B market.
Tampa-St. Petersburg-Clearwater, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens National Bank of Texas in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Citizens National Bank of Texas's data
$215
Citizens National Bank of Texas and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Citizens National Bank of Texas's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]