CITIZENS NATIONAL BANK OF HILLSBORO, THE

HILLSBORO, TX | Small | Est. Jan. 1, 1893, midnight | FDIC #3255 | RSSD #184656 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF HILLSBORO, THE is asn small FDIC-insured commercial bank headquartered in HILLSBORO, TX, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $233M and total deposits of $216M. Profitability stands at 1.22% ROA and 18.28% ROE, with a net interest margin of 2.56%. The bank's CET1 capital ratio is 30.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3255.

Assets

$233M

Deposits

$216M

Loans

$66M

Equity

$16M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 18.28%
Net Interest Margin (NIM) 2.56%
Yield on Assets 4.02%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 30.24%
Tier 1 Capital 30.24%
Total Capital Ratio 30.96%
Leverage Ratio 12.48%
Loan-to-Deposit 30.47%

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