The Citizens National Bank of Hillsboro: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Total risk-based capital ratio rose 1.15 percentage points in Q2 2026 to 33.70%, the biggest move on this page. Within Texas, The Citizens National Bank of Hillsboro is 23rd of 184 on CET1 ratio, 32.91% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, The Citizens National Bank of Hillsboro reported 32.91% on CET1 ratio in Q2 2026, 17.84 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.91% |
| Tier 1 risk-based capital ratio | 32.91% |
| Total risk-based capital ratio | 33.70% |
| Tier 1 leverage ratio | 12.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $28.5M |
| Tier 1 capital | $28.5M |
| Total risk-based capital | $29.2M |
| Total equity capital | $15.7M |
| Risk-weighted assets | $86.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.00% |
| Tangible equity to tangible assets | 7.00% |
| Equity capital to average assets | 6.90% |
| Internal capital growth rate | 8.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $28.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 28.91% | 28.91% | 29.55% | 12.81% | $91.7M |
| Q4 2023 | 29.62% | 29.62% | 30.27% | 12.99% | $90.2M |
| Q1 2024 | 30.37% | 30.37% | 31.04% | 12.82% | $88.4M |
| Q2 2024 | 30.88% | 30.88% | 31.57% | 13.20% | $87.5M |
| Q3 2024 | 30.16% | 30.16% | 30.85% | 12.97% | $90.2M |
| Q4 2024 | 30.97% | 30.97% | 31.69% | 12.45% | $88.1M |
| Q1 2025 | 32.30% | 32.30% | 33.05% | 12.49% | $85.0M |
| Q2 2025 | 32.27% | 32.27% | 33.03% | 13.13% | $85.7M |
| Q3 2025 | 31.12% | 31.12% | 31.86% | 13.30% | $89.3M |
| Q4 2025 | 30.24% | 30.24% | 30.96% | 12.48% | $92.6M |
| Q1 2026 | 31.78% | 31.78% | 32.55% | 12.07% | $88.7M |
| Q2 2026 | 32.91% | 32.91% | 33.70% | 12.53% | $86.7M |
The Citizens National Bank of Hillsboro regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hillsboro, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens National Bank of Hillsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3255) · FFIEC NIC profile (RSSD 184656)