Please note that we are continuing to take extra precautions to protect the health of our customers and employees. I have been a customer of Citizen's National Bank Pflugerville Branch since 2006 and my experience with CNB has been above and beyond. Site Map | As we do not see these transactions until they are presented for payments, only you know what transactions may post to your account and how much you need to deposit. 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. First Republic has 84 branches across eight states: California, Connecticut, Florida, Massachusetts, New York, Oregon, Washington and Wyoming. We continue to provide "hometown" banking with big bank 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. Free digital banking services, including: Free mobile app and mobile check deposits, No monthly service charge on daily balances over $600.00, $199.99 or below $10.00, $400 $599.99 $6.00, Free standard single checks. Congress needs to make major reforms to fix a broken banking system. Regulators wanted a private company to take over First Republic to avoid the FDIC taking on too much debt, and that requirement "may have precluded other regional bank bidders from making the math work as well as it does for JPM," Ken Usdin, equity analyst for Jeffries, said in a note Monday. Round Rock Map ATM. This partnership with Texas Citizens Bank, by moving us a little farther down I-10 into the Houston market, is an opportunity for us to accelerate our transition into a regional institution, said Jude Melville, president and CEO of Business First. Contact Us | A new feature that lets you get paid soonerup to 2 days early1. $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. COVID-19 Update A letter from our President and CEO, Mark Singleton. You can manage all of your banking from anywhere you have internet access. Texas Citizens Bank has been successful in serving Houston area owner-managed businesses since our inception, said Stewart. All forward-looking statements, expressed or implied, included in this press release are expressly qualified in their entirety by the cautionary statements contained or referred to herein. Please change your search criteria and try again. b1BANK will NEVER contact a customer by phone or email and ask for passwords, account numbers, or personal information. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Current b1BANK Executive Vice President, Director of Market Expansion Don Hingle will relocate to Houston as regional president, Houston. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. Business Checking Accounts Small Business Checking 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. Mr. Hingle has 39 years of banking experience and has spent the last 12 with b1BANK, during which he has served in various capacities, including market president, regional president and chief credit officer. Site Map, Locations in Burleson, Cedar Hill, Cleburne, Ennis, Midlothian, Red Oak, Stephenville, Waxahachie and Weatherford, Texas, Phone: 972-938-4300Toll Free: 1-877-938-4300Mailing Address: PO Box 717, Waxahachie, TX 75168, Copyright 2009 - 2023 Citizens National Bank of Texas. These factors, include, but are not limited to, the ability to obtain regulatory approvals and meet other closing conditions required to complete the Proposed Transaction, including necessary approvals by shareholders of Texas Citizens, on the expected terms and schedule, delay in closing the Proposed Transaction, difficulties and delays in integrating the Texas Citizens businesses or fully realizing cost savings from and other anticipated benefits of the Proposed Transaction, business disruption during and following the Proposed Transaction, changes in interest rates and capital markets, inflation, customer acceptance of the combined businesss products and services, and other risk factors. 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. Enter an address, zip code, or city and state to begin your search. 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. Cedar Park Map. With online Banking and online Bill Pay, we blend the latest in banking technology with personalized service. Citizens National Bank has 11 physical branches across the U.S. Save more with these rates that beat the National Average. U.S. Treasury officials said Monday they're encouraged that the First Republic seizure happened "with the least cost to the Deposit Insurance Fund.". Following the completion of the transaction, former Texas Citizens shareholders will own approximately 9.7 percent of the combined company. Copyright 2023 CBS Interactive Inc. All rights reserved. By signing up for e-statements, you will be able to get your statements sooner and securely view, print and download your statements. The failure of First Republic Bank shows how deregulation has made the too big to fail problem even worse. Citizens is a brand name of Citizens Bank, N.A. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Brownwood office is located at 401 West Commerce, Brownwood. Legal Statement. A Citizens National Bank of Texas Loan Officer will follow up to answer your questions. Get in touch with our friendly loan professionals and find a loan that's right for you. Play Video Raise Your Spending Limit With the New CNB App. Just incredible service. 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. Citizens National Bank of Texas - Since 1868 Business Online Banking Mobile Banking Locations About Us Apple Pay Now Available! No checks? Any forward-looking statement speaks only as of the date of this press release, and neither Business First nor Texas Citizens undertake any obligation, and each specifically declines any obligation, to revise or update these forward-looking statements, whether as a result of new information, future developments or otherwise. Shareholders are urged to read the Registration Statement and the Proxy Statement-Prospectus regarding the Proposed Transaction carefully and in their entirety when they become available and any other relevant documents filed with the SEC by Business First, as well as any amendments or supplements to those documents, because they will contain important information about the Proposed Transaction. E-Statements are a secure and easy way to access your statements online. 5Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. var yyyy = Year.getFullYear(); Contact Us | Knowing how much money is available in your account is critical to avoiding overdraft situations. Its free, and theres nothing you need to do to enroll! The overall rating is a weighted average of rates, fees, service quality and financial health.Read more. Have peace of mind that your irreplaceable items are safe and sound. www.cnboftexas.com, Login to My Account | var Year = new Date(); You can also contact the bank by calling the branch phone number at 325-646-5151. Submit your comment, review or complaint about Brownwood branch. No problem you can find your routing number online. What happens to First Republic Bank's stock and deposits now? You can also contact the bank by calling the branch phone number at 325-646-5151. Whenever you are ready, CNB is here for you. Locations, 972-938-4300 Citizens National Bank's CD rates are fair as compared against the national average. Relationship Banker providing personalized service to commercial and large consumer relationships including commercial real . When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. The FDICestimatedthe cost to the Deposit Insurance Fund at about $13 billion; by comparison, SVB's failure resulted in a $20 billion hit. Sign up for Rate Watch to have rates e-mailed to you. Online Bill Pay and Transfer: At your convenience, pay bills and make transfers online from your home, office or wherever you connect. So, we added Citizens Peace of Mind3 to your checking account to help you avoid the costs of unexpected overdrafts. Additional Information and Where to Find It. Texas Citizens Bank, which was founded in 2006, is headquartered and has six branches in the Houston area. "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. Online banking makes handling your everyday banking needs easier than ever. . Live Personal Bankers Compare Our Personal Checking Accounts | Citizens National Bank | Texas | Round Rock, Cedar Park, Pflugerville, Taylor Compare Our Accounts Best For Account Features Monthly Account Maintenance Fee Free Online & Mobile Banking Access Free Debit Card Minimum Opening Deposit Simplified Checking Regular Checking Open Account Learn More And anyone who thinks that it would be good for the United States of America not to have that, should call me directly.". We look forward to using our combined strength to benefit both existing and new clients throughout one of the countrys most potential-filled regions.. Your checking account number. 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%. We believe that our partnership with b1BANK will further strengthen the bank by enhancing our customer experience and our long-term contributions to the local community. President Mike Cornett will also join the b1BANK team as vice chair, Houston. A poorly supervised bank was snapped up by an even bigger bankultimately taxpayers will be on the hook. My e-Statements | Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. 325-646-5151. Use our mortgage calculators to help you make the right decision. 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. You can always call 1-866-690-BANK (2265) to access your account information or any of our locations listed below for assistance. / MoneyWatch. Free standard single checks. 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. 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. When you have completed the application, click submit and your information will be reviewed. As of September 30, 2021, TCBI had $516.9 million in total assets, $365.7 . 2023 Citizens National Bank of Texas Equal Housing Lender Member FDIC. 110 S. Mays St. Contact Us Citizens National Bank at Brownwood Brownwood branch operates as a full service brick and mortar office. Contact Us Citizens National Bank has a fair savings rate compared to the average savings account. Rates and rewards are variable and may change after account is opened. There are no guarantees that working with an adviser will yield positive returns. 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. JPMorgan will make a "modest" one-time $2.6 billion gain by acquiring First Republic but will also spend another $2 billion restructuring the regional bank, he added. $499.99 or below $10.00, $500.00 $999.99 $9.00. You will need to provide the following: Click here for more information on direct deposit. Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. REPORT Lost or Stolen Cards. 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. $4.00 discount on all other available styles. Texas Citizens Banks Chairman and CEO Duncan Stewart will join b1BANK and will serve as chairman, Houston region, leading business development efforts. We make the process simple and easy! Business Lending | Citizens National Bank of Texas Lending You need a bank that not only lends dollars, you need one that lends an ear. To remain on this site, click 'cancel' below. Still have questions? It is also the 2,900 th largest bank in the nation. At the end of the fourth quarter of 2022, theDIF had $128 billion in reserve. Locations in Burleson, Cedar Hill . It's safe, secure and easy. $4.00 discount on all other available styles. Free standard single checks, just pay $8 shipping. *A $5 non-usage monthly fee may apply if bill pay is not used after 3 months. Silicon Valley Bank had roughly $209 billion when it was seized by California regulators. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. But a deposit of cash, a Citizens check, or an electronic funds transfer will generally be available to cover the transactions. Privacy Policy | 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 the bank at www.cnb-brownwood.com. All loans are subject to approval. My e-Statements | This schedule helps you determine when a deposit you make will increase your available balance. Takeover talks continued all weekend in the hope a deal could be struck before U.S. stock markets opened Monday. NOTICE: Each depositor is insured in the amount of $250,000.00 for each account ownership. Regulators seized control of First Republic Bank on Monday and accepted a bid from JPMorgan Chase for virtually all of the lender's assets. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. 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 . 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, which at the time had roughly $307 billion and also was sold to JPMorgan. The definitive Proxy Statement-Prospectus will be provided to the shareholders of Texas Citizens as required by applicable law. Home Personal Banking Loan Options Loan Options Life's larger expenses happen. 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. Our goal is to provide the highest level of service at competitive rates. JPMorgan CEO Jamie Dimon said the locations will be converted into JPMorgan wealth management centers over the next 18 months. 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. 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. 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. That made it more vulnerable to a bank run as customers rushed to transfer their money elsewhere. 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. Unsure of which way to go? 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. These forward-looking statements include, without limitation, statements relating to (i) the expected impact of the proposed transaction between Business First and Texas Citizens (the Proposed Transaction) on the combined entities operations, financial condition, and financial results, (ii) expectations regarding the ability of Business First to successfully integrate the combined businesses, and (iii) the amount of cost savings and other benefits that are expected to be realized as a result of the Proposed Transaction. All investing involves risk, including loss of principal. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. www.cnboftexas.com, Login to My Account | 3Citizens Peace of Mind: Citizens Peace of Mind provides additional time to bring your account to a positive available balance and reverse Overdraft Fees. Or mail your completed application to: Card Service Center. Citizens National Bank | Personal & Business Banking Building rewarding relationships. Tutorial Videos Apple Android Business Online Banking & Bill Pay 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. 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 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. Every business, including yours, deserves a financial partner who understands its business checking needs. Check out our account offerings below. The first step is to ask your employer for a direct deposit form or Citizens provides a pre-filled form through Online Banking under Account Details. Documents to submit with Citizens National Bank Personal and Auto Loan Application: (Both Borrower and Co-Borrower) . Dimon dismissed concerns about JPMorgan's size, saying the U.S. needs big financial institutions as much as it needs small and regional lenders. Citizens National Bank has generally extremely low fees compared to the average U.S. bank. What to Expect Whenever you are ready, CNB is here for you. checking or savings account required to use Zelle. Stephens Inc. acted as financial advisor to Business First, and Fenimore Kay Harrison LLP acted as legal advisor to Business First. Although the acquisition of First Republic's assets by another lender may shore up confidence in the banking system, analysts noted that JPMorgan is growing even larger as a result of the deal and is likely to attract the scrutiny of lawmakers. Financial Information Brownwood, Texas 76804. All Rights Reserved. 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. Choosing the right account for you is simple with Citizens. 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. Welcome to Citizens National Bank's Web Site. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Contact Us Now Personal Lending Get in touch with our friendly loan professionals and find a loan that's right for you. Website Privacy Policy | 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. Round Rock, TX 78664. Site Security | 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. You can edit branch details by clicking here if you believe the information is incomplete, incorrect, out of date or misleading. Citizens National Bank: Ph: (325) 643-3545 PERSONAL CHECKING ACCOUNT $200 minimum deposit to open Checks and debit cards Free digital banking services, including: Online banking and bill pay Free mobile app and mobile check deposits Free e-statements available No monthly service charge on daily balances over $600.00 MONTHLY FEE STRUCTURE Its safe, secure and easy. Its being added to all Citizens personal checking, savings and money market accounts. Not enrolled in Online Banking? 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. 1110 Clements Street, Brownwood, TX 76801, 3802 Highway 377 South, Brownwood, TX 76801, Citizens National Bank at Brownwood Brownwood, Citizens National Bank at Brownwood Brownwood branch, Farmers and Merchants Bank Brownwood - Early. Given Citizens National Bank's noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits. Click herefor more information on routing numbers. Our mortgage experts will work closely with you to help you decide on a mortgage that suits you best. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. 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. 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. 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.
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