The City National Bank of Sulphur Springs
The City National Bank of Sulphur Springs is an FDIC insured institution headquartered at
201 Connally St, Sulphur Springs, TX 75482.
It was founded in
1889 and has approximately $1 billion in assets. Customers can open an account at one of its 12 branches.
Deposit Rates - December 11, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.13% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.35% | $10,000 | Compare |
|
6 Mo CD
|
0.35% | $100,000 | Compare |
|
12 Mo CD
|
0.45% | $10,000 | Compare |
|
12 Mo CD
|
0.45% | $100,000 | Compare |
|
18 Mo CD
|
0.50% | $10,000 | Compare |
|
18 Mo CD
|
0.50% | $100,000 | Compare |
|
24 Mo CD
|
0.60% | $10,000 | Compare |
|
24 Mo CD
|
0.60% | $100,000 | Compare |
|
30 Mo CD
|
0.65% | $10,000 | Compare |
|
30 Mo CD
|
0.65% | $100,000 | Compare |
|
36 Mo CD
|
0.70% | $10,000 | Compare |
|
36 Mo CD
|
0.70% | $100,000 | Compare |
|
48 Mo CD
|
0.75% | $10,000 | Compare |
|
48 Mo CD
|
0.75% | $100,000 | Compare |
|
60 Mo CD
|
0.85% | $10,000 | Compare |
|
60 Mo CD
|
0.85% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.10% | $2,500 |
Featured Home Equity Rates
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NMLS ID: 1717824 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
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After Intro:6.950 %
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Intro APR: 6.990 %
After Intro:6.990 %
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Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-10-31Intro APR: 5.990 %
After Intro:7.250 %
Intro Period: 12 months
$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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Sponsored
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Pentagon Federal Credit Union
NMLS ID: 4018220.000% $0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees -
Reliant Home Funding, Inc.
NMLS ID: 2924735.873% $1,868 Fees & Points $4,296 Total
0.719 Pts ($2,301)
$1,995 Fees -
PenFed Credit Union
NMLS ID: 4018226.300% $1,945 Fees & Points $6,000 Total
0.875 Pts ($2,800)
$3,200 Fees -
Quicken Loans
NMLS ID: 167283Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 5544 |
| Date Established | 1889 |
| Assets | $ 1,329.15 million |
| Loans | $ 891.80 million |
| Deposits | $ 1,198.15 million |
| Capital | $ 120.56 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 90.29 million |
| Interest-bearing balances | $ 58.84 million |
| Total securities | $ 271.48 million |
| Federal funds sold and reverse repurchase | $ 0.98 million |
| Net loans and leases | $ 891.80 million |
| Loan loss allowance | $ 14.15 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.13 million |
| Goodwill and other intangibles | $ 13.79 million |
| All other assets | $ 34.61 million |
| Total Assets | $ 1,208.59 million |
| LIABILITIES | |
| Total deposits | $ 1,198.15 million |
| Interest-bearing deposits | $ 800.68 million |
| Deposits held in domestic offices | $ 1,198.15 million |
| % insured (estimated)" | 73.34% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 6.89 millionn |
| Total Liabilities | $ 1,208.59 million |
| Shareholders’ Equity | $ 120.56 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 36.14 million |
| Total Interest Expense | $ 9.49 million |
| Net interest income | $ 26.65 million |
| Provision for loan and lease losses | $ 0.96 million |
| Total non interest income | $ 5.62 million |
| Total non interest expense | $ 18.72 million |
| Pre-tax Net Operating Income | $ 9.46 million |
Customer Reviews for The City National Bank of Sulphur Springs
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The City National Bank of Sulphur Springs Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBankTEXAS$50,000N.A.0.13%0.55x (National Avg. - 0.23%)$2,500-SCENARIO
Year Rate
0.13%Annual
InterestAnnual Interest
(After Tax)1 50,000 63 44 2 50,063 63 44 3 50,125 63 44 4 50,188 63 44 5 50,250 63 44 6 50,313 63 44 7 50,376 63 44 8 50,439 63 44 9 50,502 63 44 10 50,565 63 44 11 50,629 63 44 12 50,692 63 44 13 50,755 63 44 14 50,819 64 44 15 50,882 64 45 16 50,946 64 45 17 51,009 64 45 18 51,073 64 45 19 51,137 64 45 20 51,201 64 45 TOTAL $1,265 $885 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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