Headquartered in Bownwood, Texas, Citizens National Bank is a single-branch banking institution. The bank offers a variety of personal and business banking solutions, such as checking and savings accounts, money market accounts, certificates of deposit and online banking, as well as lending services, including home mortgages and consumer loans. It was founded in 1906 as Citizens National Bank of Brownwood with $100,000 in capital. The bank was forced to close in 1931 as a result of the Great Depression, but was rechartered in 1934 as Citizens National Bank at Brownwood. It has been in its 20,000-square-foot location since 1979, which boasts a seven-lane drive-through area.