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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 $5.0MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $137.7M33%Noninterest $69.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.52%0.60%0.68%0.70%0.76%0.86%0.95%+27 bps
Return on Equity11.52%13.81%14.52%14.33%13.44%13.83%12.66%13.88%-45 bps
Net Interest Margin1.81%1.79%2.01%2.11%2.16%2.09%2.31%2.41%+30 bps
Efficiency Ratio78.41%76.08%74.88%72.77%71.96%69.92%67.85%65.49%-728 bps
Non-Interest Burden1.19%1.11%1.24%1.22%1.21%1.12%1.20%1.16%-6 bps
Growth
Asset Growth (YoY)5.17%3.10%4.29%1.05%-2.34%6.45%5.52%4.94%+389 bps
Loan Growth (YoY)-0.02%-1.09%-0.74%4.07%5.14%8.46%6.82%1.44%-263 bps
Deposit Growth (YoY)6.22%2.82%2.04%-1.54%-3.59%2.83%3.36%3.76%+530 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.00%0.00%0.00%0.03%0.02%0.28%+28 bps
Net Charge-Offs / Loans-0.02%-0.03%-0.03%-0.02%-0.01%-0.01%-0.01%-0.01%+1 bps
Allowance / Loans0.97%1.02%1.04%1.01%0.98%0.99%1.02%1.05%+4 bps
Allowance Coverage of NPLs25.2x38.6x209.7x316.0x320.0x30.9x41.1x3.7x-312.3x
Capital
Tier 1 Leverage Ratio12.97%12.45%12.49%13.13%13.30%12.48%12.07%12.53%-59 bps
Total Risk-Based Capital30.85%31.69%33.05%33.03%31.86%30.96%32.55%33.70%+66 bps
Equity / Assets5.49%3.41%4.93%5.85%6.63%6.68%6.84%7.00%+115 bps
Liquidity & Funding
Loans / Deposits30.41%28.89%29.91%31.23%33.17%30.47%30.91%30.54%-70 bps
Liquid Assets / Assets9.34%8.25%4.29%5.19%5.06%10.88%7.78%7.13%+194 bps
CRE / Total Capitaln/an/an/an/a83.33%84.63%75.30%n/an/a