The Citizens National Bank of Hillsboro: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.32 percentage points lower than in Q1 2026, at 61.17%. The Citizens National Bank of Hillsboro has the 27th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 30.54% as of Q2 2026. The Citizens National Bank of Hillsboro's loan-to-deposit ratio of 30.54% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 50.30 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $63.2M |
| Net loans and leases | $62.5M |
| Loans held for sale | $0 |
| Loans to total assets | 28.16% |
| Loan-to-deposit ratio | 30.54% |
| Net loans to equity capital | 3.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 22.52% |
| Consumer | 7.75% |
| Credit cards | 0.00% |
| Farm | 2.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.17% |
| Construction concentration (Tier 1 capital + allowance) | 2.87% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $62.3M | $192.7M | 28.71% | 20.22% | 10.05% |
| Q4 2023 | $61.2M | $203.9M | 25.71% | 20.33% | 10.32% |
| Q1 2024 | $60.8M | $197.8M | 25.81% | 19.46% | 10.11% |
| Q2 2024 | $59.8M | $202.5M | 30.17% | 17.01% | 9.96% |
| Q3 2024 | $62.3M | $204.7M | 31.58% | 20.08% | 9.49% |
| Q4 2024 | $60.6M | $209.6M | 30.95% | 19.75% | 9.53% |
| Q1 2025 | $60.3M | $201.8M | 29.96% | 20.79% | 9.30% |
| Q2 2025 | $62.3M | $199.4M | 28.59% | 20.55% | 8.56% |
| Q3 2025 | $65.5M | $197.4M | 29.62% | 22.54% | 8.17% |
| Q4 2025 | $65.7M | $215.6M | 29.26% | 23.12% | 7.75% |
| Q1 2026 | $64.5M | $208.6M | 31.13% | 23.04% | 7.70% |
| Q2 2026 | $63.2M | $206.9M | 31.46% | 22.52% | 7.75% |
The Citizens National Bank of Hillsboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hillsboro, freeSource: Call Report Schedule RC-C, 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)