Citizens Peace of Mind gives you additional time to fund your account and reverse overdraft fees. Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. 12128 Ranch Road 620 N. Austin, TX 78750. What to Expect / MoneyWatch. 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. Live Personal Bankers Takeover talks continued all weekend in the hope a deal could be struck before U.S. stock markets opened Monday. Average Retirement Savings: How Do You Compare? As of September 30, 2021, Business First had total assets of $4.4 billion, total loans of $3.1 billion, total deposits of $3.8 billion and total shareholders equity of $430.2 million, compared to Texas Citizens estimated $516.9 million in total assets, $365.7 million in total loans, $452.0 million in total deposits and $34.6 million in common shareholders equity. It's safe, secure and easy. Relationship Banker providing personalized service to commercial and large consumer relationships including commercial real . Second-biggest bank failure in U.S. history. Member FDIC (NMLS ID# 433960). As of September 30, 2021, TCBI had $516.9 million in total assets, $365.7 . the combined institution is expected to have total consolidated assets of approximately $4.9 billion. Whenever you are ready, CNB is here for you. $4 discount on all other available styles, 20% discount on safety deposit box rental, $1,000.00 minimum balance required to avoid a monthly service charge. Citizens National Bank has generally extremely low fees compared to the average U.S. bank. We offer Conventional, FHA, VA, Rural Development and Jumbo loans. Citizens National Bank has a fair savings rate compared to the average savings account. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer or solicitation would be unlawful. Mortgages are offered and originated by Citizens Bank, N.A. View our Holiday Schedule. Get in touch with our friendly loan professionals and find a loan that's right for you. Bankers will assess and develop a customized approach to your needs, Help you start or modify your financial journey, Appointments are available in branch or by phone. Sign up for Rate Watch to have rates e-mailed to you. Texas Citizens Bancorp, Inc. is a bank holding company and the parent company of Texas Citizens Bank, a national banking association that offers a full range of banking products and services from six full-service branch locations located in the Houston, Texas market area. The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. 2711 E. Texas St. Bossier City, La 71111 "You need large, successful banks. var Year = new Date(); It is also the 2,900 th largest bank in the nation. Documents to submit with Citizens National Bank Personal and Auto Loan Application: (Both Borrower and Co-Borrower) . Get browser notifications for breaking news, live events, and exclusive reporting. 9No Overdraft Fee will be charged on any overdraft item of $5 or less, including ATM and debit card overdrafts if you are enrolled in Debit Card Overdraft Coverage, or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less. My e-Statements | 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. b1BANK was awarded #1 Best-In-State Bank, Louisiana, by Forbes and Statista, and is a three-time recipient of Baton Rouge Business Reports Best Places to Work in Baton Rouge. Visit b1BANK.com for more information. SmartAssets services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. Our mortgage experts will work closely with you to help you decide on a mortgage that suits you best. We're open for business online 24/7. Citizens National Bank of Texas. We will limit to 5 the number of Overdraft Fees charged on any one business day, up to a total of $175. Silicon Valley Bank had roughly $209 billion when it was seized by California regulators. www.cnboftexas.com, Login to My Account | The government's move to assume control of First Republic came one week after it disclosed that customers hadwithdrawn more than $100 billionfollowing SVB's collapse. b1BANK will NEVER contact a customer by phone or email and ask for passwords, account numbers, or personal information. Business Checking Accounts Small Business Checking Citizens National Bank Brownwood, Texas Citizens National Bank: Ph: (325) 643-3545 eMail: Checking We offer a variety of Personal Checking and Business Checking Accounts to meet your needs LEARN MORE Savings We offer a variety of interest bearing Savings Accounts to meet your needs. Example: 301 E. Main Street Kilgore TX 75662. News provided by The Associated Press. For more information on any of the accounts offered at Citizens National Bank, contact Brenda Vernon, Geanna Johnson, or Sierra Trevino in New Accounts, at 325-643-3545. You can always call 1-866-690-BANK (2265) to access your account information or any of our locations listed below for assistance. Contact Us | Whenever you are ready, CNB is here for you. Business First Bancshares, Inc., (Nasdaq: BFST) through its banking subsidiary b1BANK, has $4.4 billion in assets, $4.7 billion in assets under management through b1BANKs affiliate Smith Shellnut Wilson, LLC (SSW) (excludes $1.0 billion of b1BANK assets managed by SSW) and operates Banking Centers and Loan Production Offices in markets across Louisiana and the Dallas, Texas area, providing commercial and personal banking products and services. Click the link below if you wish to order checks for yourself. A Citizens National Bank of Texas Loan Officer will follow up to answer your questions. Citizens National Bank at Brownwood Brownwood branch is one of the 2 offices of the bank and has been serving the financial needs of their customers in Brownwood, Brown county, Texas for over 27 years. Balance Fee. Our next group of cards to be reissued will be those expiring in May 2023. Contact Us Now Personal Lending Get in touch with our friendly loan professionals and find a loan that's right for you. | Locations, 972-938-4300 NOTICE: Each depositor is insured in the amount of $250,000.00 for each account ownership. COVID-19 Update A letter from our President and CEO, Mark Singleton. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. Citizens National Bank, as your lending headquarters, has you covered. 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. You will also be able to obtain these documents, when they are filed, free of charge, from Business First at www.b1BANK.com. Based on Business Firsts closing stock price of$25.30as ofOctober 19, 2021, the transaction is valued at approximately$52.9 millionin the aggregate. Free copies of the Proxy Statement-Prospectus, as well as other filings containing information about Business First, may be obtained at the SECs Internet site (www.sec.gov), when they are filed by Business First. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Brownwood, Texas 76804. These forward-looking statements may be identified by reference to future period(s) or by the use of forward-looking terminology, such as anticipate, estimate, expect, foresee, may, might, will, would, could or intend, future or conditional verb tenses, and variations or negatives of such terms. Please note that we are continuing to take extra precautions to protect the health of our customers and employees. Your checking account number. A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities. This is not an offer to buy or sell any security or interest. As with its San Francisco neighbor Silicon Valley Bank, First Republic had many affluent account holders with deposits exceeding the $250,000 limit guaranteed by the FDIC. To proceed, click 'continue' below. No problem you can find your routing number online. There is no transfer fee on any day in which all transfer are $5 or less- $5 Overdraft Pass. Free for all Citizens customers Bankers will assess and develop a customized approach to your needs Help you start or modify your financial journey Help you track for retirement and more Appointments are available in branch or by phone Make An Appointment Checking Account FAQs How do I open an account? Data charges may apply. NOTE: If you have logged into the system from the same browser and have requested for this computer to remember you but are still seeing this screen, you should check your browsers security settings. For example, some deposits types such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day. Click Here for a downloadable business account application. Readers are cautioned not to place undue reliance on the forward-looking statements contained in this press release because actual results could differ materially from those indicated in such forward-looking statements due to a variety of factors. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. Before that collapse, the largest loss for the DIF was$10.7 billion in 2008 to resolve the loss for subprime lender IndyMac. CNB of Texas Mortgage is committed to helping you find the right mortgage product for you. Freeze Your Card With the New CNB App. Citizens National Bank has 11 physical branches across the U.S. Save more with these rates that beat the National Average. Helping make your business financially successful. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Privacy Policy | Supporting documents vary depending on the type of business you have. Brownwood, Texas 76801. Free standard single checks. Its free, and theres nothing you need to do to enroll! For information on our Funds Availability Policy, please visit citizensbank.com/overdraft or see your Personal Deposit Account Agreement. 2IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your account, we will charge you an Overdraft Fee of $35 per item paid. Market data provided by ICE Data Services. Legal Statement. Citizens National Bank at Brownwood Brownwood branch has been rated 4.0 out of 5 stars. Submit your comment, review or complaint about Brownwood branch. Additionally, Citizens National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure. Its being added to all Citizens personal checking, savings and money market accounts. Locations. As of September 30, 2021, TCBI had $516.9 million in total assets, $365.7 million in total loans, $452.0 million in total deposits and $34.6 million in shareholders equity. Managing your checking accounts doesnt have to be complicated. Piper Sandler Companies acted as financial advisor to Texas Citizens, and Bracewell LLP acted as legal advisor to Texas Citizens. Choosing the right account for you is simple with Citizens. Visit us at over 1,000 branches and over 3,000 ATMs, many of which include our Citizens Virtual Assistant where you can speak with a live person. But a deposit of cash, a Citizens check, or an electronic funds transfer will generally be available to cover the transactions. I have been a customer of Citizen's National Bank Pflugerville Branch since 2006 and my experience with CNB has been above and beyond. Baton Rouge, La. Login to My Account | CNB of Texas is a full service bank providing a hometown approach of listening to and meeting the needs if its customers. Online banking makes handling your everyday banking needs easier than ever. Every business, including yours, deserves a financial partner who understands its business checking needs. Balance Fee, Excessive withdrawal fee (more than 40 debits per monthly statement cycle) of $0.15 per item. When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any users account by an Adviser or provide advice regarding specific investments. Enter an address, zip code, or city and state to begin your search. Email the Bank. 1If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early. Learn how to take control of your money and avoid overdrafts and fees. Citizens National Bank's Texas Ratio is 0.00%, suggesting that the bank is in terrific financial health and unlikely to fail. For lobby hours, drive-up hours and online banking services please visit the official website of . 5Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. California's Department of Financial Protection and Innovation (DFPI) said it had taken over San Francisco-based First Republic and appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. You can find this information online, but you could also call a representative. In connection with the Proposed Transaction, Business First will file with the SEC a registration statement on Form S-4 (the Registration Statement) that will include a proxy statement of Texas Citizens and a prospectus of Business First (the Proxy Statement-Prospectus), and Business First may file with the SEC other relevant documents concerning the Proposed Transaction. $4.00 discount on all other available styles. 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. At Citizens National Bank, you're anything but a number. U.S. Treasury officials said Monday they're encouraged that the First Republic seizure happened "with the least cost to the Deposit Insurance Fund.". Since 1985 Citizens National Bank has been helping our customers buy, build, or refinance their homes. Citizens National Bank - Walmart Branch. Other relevant risk factors may be detailed from time to time in Business Firsts press releases and filings with the Securities and Exchange Commission (SEC). The fund is mostly financed through fees paid by the nation's banks. **Paper items over the accounts free limit are $0.25 each. When you have completed the application, click submit and your information will be reviewed. For more information on the reissue please. Brownwood, Texas 76804, 401 W Commerce St,. Under the terms of the merger agreement, which has been unanimously approved by the board of each company, Texas Citizens shareholders will receive 0.7038 shares of Business First stock for each share of Texas Citizens common stock (with cash paid in lieu of fractional shares), or approximately 2.1 million shares of Business Firsts common stock. With a Citizens Checkup, our bankers and advisors can help you focus on whats important and map out a plan for your future. Credit approval is required. Updated on: May 1, 2023 / 7:48 PM e-Statements: With online banking, you can choose paperless statements. E-Statements are a secure and easy way to access your statements online. Website Privacy Policy | It is the third financial institution taken under government control in the last two months following a series of lightning-fast bank runs that has shaken the confidence of financial industry customers and investors. Citizens National Bank is committed to the safety of our customers, employees, and communities. Contact Us | Give us a call today to speak with a live Customer Service Representative. For more extensive options, visit CNBs Cash Management Services. NMLS Registry Information for Citizens National Bank of Texas, Bank locations in Burleson, Cedar Hill, Ennis, Italy, Midlothian, Red Oak, Waxahachie, Stephenville and Weatherford, Texas, Phone: 972-938-4300Mailing Address: PO Box 717, Waxahachie, TX 75168, Bank locations in Burleson, Cedar Hill, Ennis, Italy, Midlothian, Red Oak and Waxahachie, Texas, Copyright 2009 - 2016 Citizens National Bank of Texas, NMLS Registry Information for Citizens National Bank of Texas. Important Disclosures Regarding Deposit Insurance on Non-Interest-Bearing Transaction Accounts. With online Banking and online Bill Pay, we blend the latest in banking technology with personalized service. Cedar Park Map. No reviews about the branch yet. Site Security | This account features an earnings credit to reduce or eliminate fees. Locations, Customer Privacy Policy Texas Citizens Banks Chairman and CEO Duncan Stewart will join b1BANK and will serve as chairman, Houston region, leading business development efforts. Stephens Inc. acted as financial advisor to Business First, and Fenimore Kay Harrison LLP acted as legal advisor to Business First. $499.99 or below $10.00, $500.00 $999.99 $9.00. Dimon also said buying First Republic's assets will help stabilize the U.S. banking system, which has been rocked in recent weeks by the sudden collapse inMarch of Silicon Valley Bank (SVB) and Signature Bank. Under Monday's deal with JPMorgan, the funds will be returned to the firms, TD Cowen analyst Jaret Seiberg said. PO Box 569120. A voided check. Citizens National Bank ranks as a small bank with assets totaling $402 million and deposits totaling $357 million. Following the completed transaction, For additional information regarding the transaction, an Investor Presentation has been filed with the Security and Exchange Commission (SEC) and may be accessed, at no charge, on the SECs website at, Business First Bancshares, Inc., (Nasdaq: BFST) through its banking subsidiary b1BANK, has $4.4 billion in assets, $4.7 billion in assets under management through b1BANKs affiliate Smith Shellnut Wilson, LLC (SSW) (excludes $1.0 billion of b1BANK assets managed by SSW) and operates Banking Centers and Loan Production Offices in markets across Louisiana and the Dallas, Texas area, providing commercial and personal banking products and services. A deposit that only partially covers transactions or overdraft items will not result in a fee reversal. JPMorgan CEO Jamie Dimon said the locations will be converted into JPMorgan wealth management centers over the next 18 months. . Have peace of mind that your irreplaceable items are safe and sound. The $30 Annual Fee on Overdraft Line of Credit is waived for Student Checking, Citizens EverValue Checking, Citizens Quest Checking, and Citizens Private Client Checking. The merger agreement contains customary representations, warranties and covenants by Texas Citizens and Business First and is subject to customary closing conditions, including approval by Texas Citizens shareholders and the receipt of customary regulatory approvals. www.cnboftexas.com, Login to My Account | "First Republic customers can bank as usual and feel confident that their deposits are backed by the strength and security of JPMorgan Chase," Jeremy Barnum, JPMorgan's chief financial officer, said during a news conference Monday. CITIZENS NATIONAL BANK OF CROSBYTON HEAD OFFICE Branch Name:Head Office Service Type:Full Service Office State & County:Texas - Crosby City or Town:Crosbyton Zip Code:79322 Phone Number: Office Address:202 West Main Street, Crosbyton, TX 79322 Edit BRANCH LOCATION 202 W Main St, Crosbyton, TX 79322 Get Driving Directions OFFICE DETAILS Loan Options - Citizens National Bank When you need us, we can help Let us help you take advantage of opportunities with loans tailored to your needs. This schedule helps you determine when a deposit you make will increase your available balance. Locations. 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%. It was established in 1893 and as of December of 2022, it had grown to 28 employees at 2 locations.The Citizens National Bank of Hillsboro's CD rates are 68% higher than the national average, and it has a B health rating. Copyright 2021b1BANK. It can be found on the bottom of the check directly to the right of the routing number. Fax your completed application to the Card Service Center at 877-809-9162. Use yourcontactless debit card,Digital Wallet7,Zelle8or checks, Take control of overdrafts with Overdraft Choices, plus $5 Overdraft Pass9andCitizens Peace of MindTM 3. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. The negative collected balance rate is Prime plus 4. Hoping to stem the panic, 11 of the nation's largest financial institutions in mid-Marchgave First Republic $30 billionin deposits, but the effort failed to assuage concerns about the bank's viability. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Tutorial Videos Apple Android Business Online Banking & Bill Pay var yyyy = Year.getFullYear(); Account will switch to One Deposit Checking from Citizens when all account owners are age 25 or older. Online Bill Pay and Transfer: At your convenience, pay bills and make transfers online from your home, office or wherever you connect. Khristopher J. Brooks is a reporter for CBS MoneyWatch covering business, consumer and financial stories that range from economic inequality and housing issues to bankruptcies and the business of sports. Simply call us at 1-800-922-9999, visit any Citizens branch, or use the Change of Address feature of Online Banking. Login to My Account| My e-Statements| Contact Us| Locations 972-938-4300 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. 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. Federal officials from the FDIC, Treasury Department and Federal Reserve held private talks with other banks on Friday hoping to find a bailout plan for First Republic, Reutersreported, but no private rescue materialized. Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. 110 S. Mays St. Click herefor more information on routing numbers. What happens to First Republic Bank's stock and deposits now? If your account is overdrawn, you have up until 10:00 PM ET the following business day (e.g., if your account is overdrawn at the end of the day Monday, you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the overdraft items (minus the fees), and any additional transactions that post to the account that day. All loans are subject to approval. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. You can also contact the bank by calling the branch phone number at 325-646-5151. Information regarding all of the persons who may, under the rules of the SEC, be deemed participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the Proxy Statement-Prospectus pertaining to the Proposed Transaction and other relevant materials to be filed with the SEC when they become available. Rates and APYs accurate as of March 23, 2023. All investing involves risk, including loss of principal. First Republic has $229 billion in assets, making it the second-biggest bank to collapse in U.S. history after the 2008 failure of Washington Mutual . 2023 Citizens National Bank of Texas Equal Housing Lender Member FDIC. Business Lending | Citizens National Bank of Texas Lending You need a bank that not only lends dollars, you need one that lends an ear. Check out our account offerings below. 2023 CBS Interactive Inc. All Rights Reserved. One-Time Checkup with a Financial Advisor. For more extensive options, visit CNB's Cash Management Services. Brownwood, Texas 76801, 2023 Citizens National Bank at Brownwood | Sitemap, Due to requirements set by Visa, we will be reissuing all debit cards as they expire. First Republic has 84 branches across eight states: California, Connecticut, Florida, Massachusetts, New York, Oregon, Washington and Wyoming.
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