The Citizens National Bank of Hillsboro: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 1.19 percentage points in Q2 2026, from 59.35% to 60.54%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Citizens National Bank of Hillsboro is 203rd of 345 on return on assets, 1.32% as of Q2 2026, below the middle of the field. The Citizens National Bank of Hillsboro reported 1.32% on return on assets for Q2 2026, 0.07 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 32.91% |
| Tier 1 risk-based capital ratio | 32.91% |
| Total risk-based capital ratio | 33.70% |
| Tier 1 leverage ratio | 12.53% |
| Equity capital to assets | 7.00% |
| Tangible equity to tangible assets | 7.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.09% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 19.33% |
| Net interest margin | 2.55% |
| Efficiency ratio | 63.22% |
| Yield on earning assets | 3.84% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 30.54% |
| Core deposits to total deposits | 91.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.22% |
| Securities to assets | 60.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 28.91% | 28.91% | 29.55% | 12.81% | 0.52% |
| Q4 2023 | 29.62% | 29.62% | 30.27% | 12.99% | 0.54% |
| Q1 2024 | 30.37% | 30.37% | 31.04% | 12.82% | 0.39% |
| Q2 2024 | 30.88% | 30.88% | 31.57% | 13.20% | 0.62% |
| Q3 2024 | 30.16% | 30.16% | 30.85% | 12.97% | 0.70% |
| Q4 2024 | 30.97% | 30.97% | 31.69% | 12.45% | 0.92% |
| Q1 2025 | 32.30% | 32.30% | 33.05% | 12.49% | 0.76% |
| Q2 2025 | 32.27% | 32.27% | 33.03% | 13.13% | 0.97% |
| Q3 2025 | 31.12% | 31.12% | 31.86% | 13.30% | 0.97% |
| Q4 2025 | 30.24% | 30.24% | 30.96% | 12.48% | 1.21% |
| Q1 2026 | 31.78% | 31.78% | 32.55% | 12.07% | 1.07% |
| Q2 2026 | 32.91% | 32.91% | 33.70% | 12.53% | 1.32% |
The Citizens National Bank of Hillsboro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hillsboro, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)