The Citizens National Bank of Hillsboro: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 9.8% lower than in Q1 2026, at $19.2M. On loan-to-deposit ratio, The Citizens National Bank of Hillsboro is 27th from the bottom among 346 Texas banks, 30.54% (Q2 2026). The Citizens National Bank of Hillsboro's loan-to-deposit ratio of 30.54% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 50.41 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $155.0M |
| Fed funds sold and reverse repos | $275K |
| Fed funds sold and reverse repos to assets | 0.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 30.54% |
| Net loans and leases to deposits | 30.21% |
| Loans and leases to core deposits | 33.21% |
| Core deposits to total deposits | 91.95% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 32.31% | 94.17% | $0 | $12.7M |
| Q4 2023 | 30.03% | 94.17% | $0 | $0 |
| Q1 2024 | 30.74% | 93.32% | $0 | $0 |
| Q2 2024 | 29.55% | 91.57% | $0 | $0 |
| Q3 2024 | 30.41% | 90.66% | $0 | $0 |
| Q4 2024 | 28.89% | 90.84% | $0 | $0 |
| Q1 2025 | 29.91% | 90.63% | $0 | $0 |
| Q2 2025 | 31.23% | 93.20% | $0 | $0 |
| Q3 2025 | 33.17% | 91.50% | $0 | $0 |
| Q4 2025 | 30.47% | 92.45% | $0 | $0 |
| Q1 2026 | 30.91% | 92.22% | $0 | $0 |
| Q2 2026 | 30.54% | 91.95% | $0 | $0 |
The Citizens National Bank of Hillsboro liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hillsboro, freeSource: Call Report Schedules RC and RC-M, 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)