The City National Bank of Sulphur Springs is the oldest institution in Hopkins County. The Bank was established in 1889 and services Hopkins, Wood and surrounding counties.  The City National Bank of Sulphur Springs has been FDIC insured since January 1, 1934.  The City National Bank of Sulphur Springs is chartered as a National Bank.  Therefore the primary regulator is the Office of the Comptroller of the Currency (OCC).

As of December 31, 2008, the bank had total assets of $341,179,000 and total deposits of $289,467,000.  The bank net income for 2008 was $5,161,000.  At year end City National Bank of Sulphur Springs had118 employees.

City National Bank most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 7.15% 
Cost of funding earning assets 2.55% 
Net interest margin 4.60%
Return on assets (ROA) 1.53%
Return on equity (ROE) 18.10%
Noncurrent loans to loans 1.01% 
Equity capital to assets 8.76% 
Core capital (leverage) ratio 7.84% 
Tier 1 risk-based capital ratio 11.05% 
Total risk-based capital ratio 12.30%

City National Bank products and services:
 
City National Bank consumer bank products include regular checking account, free checking account, student checking account, senior citizen checking account, consumer Now account, consumer money market account, overdraft privilege, consumer loans, personal loans, new and used auto loans, boat loans, recreational vehicles loans, mortgage loans, purchase mortgage loans, refinance mortgage loans, home improvement loans, home equity loans, construction loans, 24 Hour telephone banking and ATM/debit cards.  Business products include new and used commercial loans, farm loans and agricultural equipment loans.

City National Bank branch bank locations:

Main Bank   
201 Connally/P.O. Box 495   
Sulphur Springs, TX 75482   
Phone: 903-885-7523   
Fax: 903-439-3677   

Mockingbird Branch  
1133 Mockingbird Lane  
Sulphur Springs, TX 75482   
Phone: 903-885-5432   
Fax: 903-885-6715   

Mortgage Branch  
1108 South Broadway   
Sulphur Springs, TX 75482   
Phone: 903-439-0654   
Fax: 903-439-6376  

Winnsboro Branch  
607 S. Main Street   
Winnsboro, TX 75494   
Phone: 903-342-3791   
Fax: 903-342-3794  

Hawkins Main  
205 Beaulah/P.O. Box 1130  
Hawkins, Texas 75765   
Phone: 903-769-3171   

Holly Lake Branch  
2454 S FM 2869/ P.O. Box 1130  
Hawkins, Texas 75765  
Phone: 903-769-4596   
 
Quitman Branch  
501 E. Goode  
Quitman, Texas 75783   
Phone: 903-763-4989   

Yantis Branch  
120 N. Main  
Yantis, Texas 75497  
Phone: 903-383-2250   

City National Bank web address: www.bankatcnb.com

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