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
Unfavorable gap of $2.6M · efficiency ratio beats 44% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.87% | 1.20% | 1.65% | Beats 32% | 144 / 211 | |
| Return on Equity | 13.77% | 7.52% | 11.67% | 14.58% | Beats 69% | 66 / 211 | |
| Net Interest Margin | 2.41% | 3.28% | 3.82% | 4.31% | Beats 5% | 201 / 211 | |
| Efficiency Ratio | 65.49% | 53.01% | 64.18% | 73.65% | Beats 44% | 120 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.01% | 0.30% | 1.10% | Beats 51% | 102 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 32.91% | 11.72% | 14.45% | 19.57% | Beats 91% | 20 / 211 | |
| Total Risk-Based Capital Ratio | 33.70% | 11.94% | 14.78% | 20.30% | Beats 90% | 21 / 211 | |
| Equity / Assets | 7.00% | 9.41% | 11.06% | 12.94% | Beats 5% | 200 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 30.54% | 45.39% | 66.56% | 82.03% | 10th pctl | 187 / 208 | |
| Loans / Assets | 28.16% | 39.13% | 56.90% | 70.46% | 12th pctl | 185 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |