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The Citizens National Bank of Hillsboro

$100M-$1B Specialty: Other TX FDIC cert 3255

Hillsboro, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +3.8% year over year ($206.9M on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.21%.
  • Efficiency ratio 65.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 30.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The Citizens National Bank of Hillsboro has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 38.3% in tier
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.3% in tier
  • - Credit Quality Pressure: Bottom 38.5% in tier
  • - Net Interest Margin 1.47% below tier average
  • - ROA 0.11% below tier average
  • - Efficiency Ratio 1.01% above tier average
Get updates when The Citizens National Bank of Hillsboro releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $224.4M
+4.9% YoY -0.8% QoQ
-$162.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $62.5M
+1.4% YoY -2.0% QoQ
-$195.8M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 5.2% in tier
Total Deposits ? $206.9M
+3.8% YoY -0.8% QoQ
-$119.8M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 1.21%
+40.6% YoY +11.1% QoQ
-0.11% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 2.52%
+16.3% YoY +2.1% QoQ
-1.47% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 3.0% in tier
Efficiency Ratio ? 65.49%
-10.0% YoY -3.5% QoQ
+1.01% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.29% -0.63% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 30.21%
-2.3% YoY -1.2% QoQ
-47.74% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 1.8% in tier
Non-Interest-Bearing Deposit Share ? 33.45%
+4.6% YoY +8.6% QoQ
+11.42% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 11.7% in tier
Nonperforming Asset Ratio ? 0.08% -0.59% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 32.91%
+2.0% YoY +3.5% QoQ
+17.00% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 3.1% in tier
Non-Interest Income / Assets ? 0.61%
+5.9% YoY +106.8% QoQ
+0.05% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 6.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 33.5%
+1.5pp YoY
+2.7pp QoQ
 +11.3pp 22.1% 29.2% 22.2% 88%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 22.8%
+2.0pp YoY
-0.5pp QoQ
 +11.2pp 11.6% 14.8% 12.5% 91%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 29.9%
-0.4pp YoY
+0.7pp QoQ
 -2.7pp 32.6% 25.8% 31.3% 51%
Consumer 7.8%
-0.8pp YoY
+0.1pp QoQ
 +3.7pp 4.1% 4.7% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 32.9%
+0.6pp YoY
+1.1pp QoQ
 +14.1pp 18.8% 22.7% 19.7% 95%
Leverage Ratio 12.5%
-0.6pp YoY
+0.5pp QoQ
 +0.4pp 12.2% 12.6% 12.6% 70%
Total Capital Ratio 33.7%
+0.7pp YoY
+1.2pp QoQ
 +13.8pp 19.9% 23.8% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 29
+2 (+7.4%) YoY
+1 (+3.6%) QoQ
 -30 58 186 482 25%
Assets per Employee ($) $7.7M
-2.3% YoY
-4.2% QoQ
 +$219K $7.5M $10.1M $8.8M 64%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.3% 0.4% 73%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 3.72x
-98.8% YoY
-90.9% QoQ
 -20.43x 24.15x 18.82x 20.23x 63%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 17.7%
-0.5pp YoY
+1.6pp QoQ
 +5.5pp 12.2% 13.2% 11.6% 81%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 26%
Net Income ($, YTD) $1.4M
+48.5% YoY
— QoQ
 -$1.2M $2.6M $15.9M $40.4M 38%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#254 of 661 • Top 38.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.61%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.21%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#107 of 936 • Bottom 11.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#485 of 1256 • Bottom 38.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.29%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

48
Loan-to-Deposit Ratio
liquidity
Value: 30.21%
Peer Median: 77.95%
#48 of 2643 Top 1.8% in $100M-$1B
82
Tier 1 Capital Ratio
capital
Value: 32.91%
Peer Median: 15.91%
#82 of 2643 Top 3.1% in $100M-$1B
175
Non-Interest Income / Assets
revenue_mix
Value: 0.61%
Peer Median: 0.57%
#175 of 2643 Top 6.6% in $100M-$1B
309
Non-Interest-Bearing Deposit Share
funding
Value: 33.45%
Peer Median: 22.03%
#309 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (2 metrics)

2565
Net Interest Margin
profitability
Value: 2.52%
Peer Median: 3.99%
#2565 of 2643 Bottom 3.0% in $100M-$1B
2507
Total Loans
size
Value: $62.51M
Peer Median: $258.35M
#2507 of 2643 Bottom 5.2% in $100M-$1B
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