The Citizens National Bank of Hillsboro: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens National Bank of Hillsboro of Hillsboro, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 54th above |
| ROAE | 19.33% | 13.32% | +6.01% | 85th top |
| Net Interest Margin | 2.55% | 3.93% | -1.38% | 4th bottom |
| Efficiency Ratio | 63.22% | 61.13% | +2.09% | 44th below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 3.84% | 5.67% | -1.83% | 2nd bottom |
| Cost of Funds | 1.37% | 1.88% | -0.51% | 76th top |
| Net Interest Spread | 1.83% | 3.32% | -1.49% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| Texas Ratio | 1.09% | 7.34% | -6.25% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 32.91% | 19.48% | +13.43% | 94th top |
| Tier 1 Ratio | 32.91% | 19.51% | +13.40% | 94th top |
| Total Capital Ratio | 33.70% | 20.60% | +13.10% | 94th top |
| Leverage Ratio | 12.53% | 12.14% | +0.39% | 70th above |
| Equity / Assets | 7.00% | 11.37% | -4.37% | 6th bottom |
| TCE / Tangible Assets | 7.00% | 11.08% | -4.08% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 30.54% | 80.67% | -50.13% | 98th top |
| Core Deposit Ratio | 91.95% | 86.85% | +5.10% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.94% | 6.84% | -1.90% | 54th above |
| Loan Growth (Y/Y) | 1.44% | 7.92% | -6.48% | 28th below |
| Deposit Growth (Y/Y) | 3.76% | 6.29% | -2.53% | 48th below |
See The Citizens National Bank of Hillsboro's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of Hillsboro, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens National Bank of Hillsboro profile, how to read a UBPR, or how this data updates.