The Citizens National Bank of Hillsboro
Also written as CNB of Hillsboro
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Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank of Hillsboro is an FDIC-insured commercial bank headquartered in Hillsboro, TX, established in 1893 (FDIC certificate 3255), and it is supervised by the OCC. At Q2 2026 it reported total assets of $224.4M, up 4.9% from Q2 2025, the 246th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 32.91% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3255
- Headquarters
- Hillsboro, TX
- Established
- 1893
- Total assets, Q2 2026
- $224.4M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 32.91%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111901690
- Latest call report
- Q2 2026, FFIEC 041 · The Citizens National Bank of Hillsboro Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- HILLSBORO BANCSHARES, INC.
- Asset rank in state
- 246th of 346 in Texas
The Citizens National Bank of Hillsboro, based in Hillsboro, Texas, reported $224 million in assets at June 30, 2026, up 4.9% from a year earlier. It keeps 2.55 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 32.91% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Earnings jumped: net income for the quarter was $753,000, 47% above the same quarter a year earlier. The commercial and industrial book ($14 million) is worsening: 6.18% of it is past due or on nonaccrual, up from 0.12% a year earlier. One more trend to watch: problem loans have appeared where there were almost none: loans on nonaccrual or 90 or more days past due, net of government guarantees now equal 0.28% of loans.
As of June 30, 2026, The Citizens National Bank of Hillsboro reported a CET1 capital ratio of 32.91%, a return on assets of 1.32%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.09%. The figures come from its call report filed with the FFIEC.
The Citizens National Bank of Hillsboro ranks as the 246th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $224.4M, loans fell 2.0% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.6% of total loans, followed by non-owner-occupied commercial real estate loans at 26.9%. The FDIC Summary of Deposits lists 2 offices for it, in Hillsboro, TX. By the capital ratios in its Q2 2026 call report, The Citizens National Bank of Hillsboro meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Elm St, Hillsboro, TX 76645
- County
- Hill
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1893
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $206.9M
- Allowance for credit losses
- $666K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $227.6M
- Average total loans
- $63.4M
- Average interest-bearing deposits
- $139.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3255
- Fed RSSD
- 184656
- Website
- www.cnbhillsboro.com →
- Parent Holding Company
- HILLSBORO BANCSHARES, INC. (RSSD 3220274)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Citizens National Bank of Hillsboro's total assets moved between a low of $205.4M (Q1 2024) and a high of $233.4M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$224.4M total assets against $213.8M; $208.7M total liabilities against $201.3M.
$62.5M net loans and leases against $61.6M; $206.9M total deposits against $199.4M.
$135.8M securities against $131.1M; $19.2M cash and balances due against $14.4M.
$2.1M total interest income against $1.9M; $707K total interest expense against $764K.
$1.4M net interest income against $1.1M.
$705K total noninterest income against $654K; $1.3M total noninterest expense against $1.3M.
$7K provision for credit losses against $7K.
$753K net income against $512K.
1.32% return on assets against 0.97%; 2.55% net interest margin against 2.23%.
32.91% CET1 capital ratio against 32.27%; 12.53% tier 1 leverage ratio against 13.13%.
Inside the full The Citizens National Bank of Hillsboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens National Bank of Hillsboro rankings
Its closest position to the top of a national ranking is 53 of 2,134, for CET1 ratio; its furthest is 2,637 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q3 2024) to 1.32% (Q2 2026) and its net interest margin ran from 1.93% (Q3 2024) to 2.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.91% | 1.32% | 0.28% | 1.09% | 2.55% |
| Q1 2026 | 31.78% | 1.07% | 0.02% | 0.10% | 2.42% |
| Q4 2025 | 30.24% | 1.21% | 0.03% | 0.13% | 2.45% |
| Q3 2025 | 31.12% | 0.97% | 0.00% | 0.01% | 2.34% |
| Q2 2025 | 32.27% | 0.97% | 0.00% | 0.02% | 2.23% |
| Q1 2025 | 32.30% | 0.76% | 0.00% | 0.03% | 2.10% |
| Q4 2024 | 30.97% | 0.92% | 0.03% | 0.20% | 2.07% |
| Q3 2024 | 30.16% | 0.70% | 0.04% | 0.19% | 1.93% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Hillsboro | Hillsboro , TX | 76645 | $147.4M |
| The Citizens Bank, National Association Branch | Hillsboro , TX | 76645 | $59.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2005 | Structure Change | Acquired Colonial Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 291 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens National Bank of Hillsboro
What are The Citizens National Bank of Hillsboro's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Hillsboro reported total assets of $224.4 million in its FFIEC call report.
Where is The Citizens National Bank of Hillsboro headquartered?
It is headquartered in Hillsboro, TX, United States.
When was The Citizens National Bank of Hillsboro founded?
It was established in 1893, per the FDIC institution directory.
Is The Citizens National Bank of Hillsboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Hillsboro?
The Citizens National Bank of Hillsboro's primary federal regulator is the OCC.
What is The Citizens National Bank of Hillsboro's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 32.91% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Hillsboro operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Hillsboro's Texas Ratio?
Its Texas Ratio is 1.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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