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Citizens National Bank of Hillsboro, The

Hillsboro, TX · Cert 3255 · Hillsboro Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens National Bank of Hillsboro, The

Hillsboro, TX · Cert 3255 · Hillsboro Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$224.4MAssets
$63.2MLoans
$206.9MDeposits
$15.7MEquity
Loan mix
68%RE $41.4M24%C&I $14.9M8%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $137.7M33%Noninterest $69.2MQ2 2025Q2 2026

NIM

3.38%Q2 ’243.63%Q2 ’253.70%Q2 ’26+15%+14%

Non-interest income vs. expense

2.32%Q2 ’242.39%Q2 ’252.37%Q2 ’26-2%-5%

Executive Summary

  • Earnings: ROA of 0.95%, up 27 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.28% of loans (+28 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.53%, down 59 bps from a year ago.
  • Funding: loans stand at 30.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.41%+30 bps YoY

Efficiency Ratio (YTD, annualized)

65.49%-728 bps YoY

Tier 1 Leverage Ratio

12.53%-59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.76%0.86%0.95%+27 bps
Return on Equity14.33%13.44%13.83%12.66%13.88%-45 bps
Net Interest Margin2.11%2.16%2.09%2.31%2.41%+30 bps
Efficiency Ratio72.77%71.96%69.92%67.85%65.49%-728 bps
Non-Interest Burden1.22%1.21%1.12%1.20%1.16%-6 bps
Growth
Asset Growth (YoY)1.05%-2.34%6.45%5.52%4.94%+389 bps
Loan Growth (YoY)4.07%5.14%8.46%6.82%1.44%-263 bps
Deposit Growth (YoY)-1.54%-3.59%2.83%3.36%3.76%+530 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.03%0.02%0.28%+28 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%-0.01%-0.01%+1 bps
Allowance / Loans1.01%0.98%0.99%1.02%1.05%+4 bps
Allowance Coverage of NPLs316.0x320.0x30.9x41.1x3.7x-312.3x
Capital
Tier 1 Leverage Ratio13.13%13.30%12.48%12.07%12.53%-59 bps
Total Risk-Based Capital33.03%31.86%30.96%32.55%33.70%+66 bps
Equity / Assets5.85%6.63%6.68%6.84%7.00%+115 bps
Liquidity & Funding
Loans / Deposits31.23%33.17%30.47%30.91%30.54%-70 bps
Liquid Assets / Assets5.19%5.06%10.88%7.78%7.13%+194 bps
CRE / Total Capitaln/a83.33%84.63%75.30%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens National Bank of Hillsboro, The

Hillsboro, TX · Cert 3255 · Peer group: banks under $1B in assets in TX (n=208-211) · Hillsboro Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$224.4MAssets
$63.2MLoans
$206.9MDeposits
$15.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in TX (rank 200 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.96%

Rank 144 of 211

Net Interest Margin

2.41%

Rank 201 of 211

Efficiency Ratio

65.49%

Rank 120 of 211

Equity / Assets

7.00%

Rank 200 of 211

Non-interest income vs. expense

$2.8M$5.4MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 44% of banks under $1B in assets in TX
Bank 65.49%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.87%1.20%1.65%Beats 32%144 / 211
Return on Equity13.77%7.52%11.67%14.58%Beats 69%66 / 211
Net Interest Margin2.41%3.28%3.82%4.31%Beats 5%201 / 211
Efficiency Ratio65.49%53.01%64.18%73.65%Beats 44%120 / 211
Asset Quality
Nonperforming Loans / Loans0.28%0.01%0.30%1.10%Beats 51%102 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio32.91%11.72%14.45%19.57%Beats 91%20 / 211
Total Risk-Based Capital Ratio33.70%11.94%14.78%20.30%Beats 90%21 / 211
Equity / Assets7.00%9.41%11.06%12.94%Beats 5%200 / 211
Liquidity & Funding
Loans / Deposits30.54%45.39%66.56%82.03%10th pctl187 / 208
Loans / Assets28.16%39.13%56.90%70.46%12th pctl185 / 211
Brokered Deposits / Depositsn/aNot reported for this institution