Citizens National Bank of Hillsboro, the
Capital moved notably last quarter — CET1 ratio of 31.78% was up 154bps from the prior quarter. Citizens National Bank of Hillsboro, the is an FDIC-insured commercial bank, during the post-Reconstruction banking expansion. As of Q1 2026, the bank held approximately $226M in total assets and $209M in deposits. Returns are in line with industry norms at 1.07% ROA and 16.11% ROE; net interest margin is 2.42%. Capital cushions are healthy: 31.78% CET1, 12.07% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 2 branches, primarily in Texas.
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
- Fed District
- 13
- Established
- January 1, 1893
- Branches
- 2 domestic
- Employees (FTE)
- 28
- FDIC Cert
- 3255
- Fed RSSD
- 184656
- Website
- www.cnbhillsboro.com →
- Parent Holding Company
- HILLSBORO BANCSHARES, INC. (RSSD 3220274)
Capital & Liquidity
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Citizens National Bank of Hillsboro, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about Citizens National Bank of Hillsboro, the
What are Citizens National Bank of Hillsboro, the's total assets?
As of the Q1 2026 filing, Citizens National Bank of Hillsboro, the reported total assets of $226.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank of Hillsboro, the headquartered?
Citizens National Bank of Hillsboro, the is headquartered in HILLSBORO, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank of Hillsboro, the founded?
Citizens National Bank of Hillsboro, the was established in 1893, per the FDIC institution directory.
Is Citizens National Bank of Hillsboro, the FDIC-insured?
Yes. Citizens National Bank of Hillsboro, the 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 Citizens National Bank of Hillsboro, the?
Citizens National Bank of Hillsboro, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens National Bank of Hillsboro, the's CET1 capital ratio?
Citizens National Bank of Hillsboro, the reported a Common Equity Tier 1 (CET1) capital ratio of 31.78% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens National Bank of Hillsboro, the operate?
Citizens National Bank of Hillsboro, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens National Bank of Hillsboro, the's Texas Ratio?
Citizens National Bank of Hillsboro, the's Texas Ratio is 0.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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