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Letter portraitLegal landscapeQuarterYTD

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 ’243.58%Q2 ’253.69%Q2 ’26+18%+15%

Non-interest income vs. expense

2.28%Q2 ’242.38%Q2 ’252.33%Q2 ’26-2%-5%

Executive Summary

  • Earnings: ROA of 1.05%, up 30 bps year over year; NIM at 2.44%.
  • 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 (quarter, annualized)

1.05%+30 bps YoY

Net Interest Margin (quarter, annualized)

2.44%+32 bps YoY

Efficiency Ratio (quarter, annualized)

63.22%-754 bps YoY

Tier 1 Leverage Ratio

12.53%-59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.74%0.96%0.86%1.05%+30 bps
Return on Equity13.96%11.92%14.42%12.66%15.17%+121 bps
Net Interest Margin2.13%2.21%2.34%2.31%2.44%+32 bps
Efficiency Ratio70.76%70.41%64.58%67.85%63.22%-754 bps
Non-Interest Burden1.14%1.19%1.07%1.20%1.09%-5 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-0.01%0.00%0.00%-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