The Citizens National Bank of Hillsboro: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 2.55%, the biggest move on this page. The Citizens National Bank of Hillsboro has the 15th lowest net interest margin of the 345 banks headquartered in Texas, at 2.55% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens National Bank of Hillsboro sits 1.40 points lower, at 2.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.55% |
| Yield to cost spread | 1.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $707K |
| Interest expense on deposits | $707K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 3.20% | 1.24% | 1.93% |
| Q4 2023 | 3.42% | 1.53% | 1.88% |
| Q1 2024 | 3.46% | 1.53% | 1.90% |
| Q2 2024 | 3.53% | 1.62% | 1.88% |
| Q3 2024 | 3.63% | 1.69% | 1.93% |
| Q4 2024 | 3.67% | 1.62% | 2.07% |
| Q1 2025 | 3.69% | 1.58% | 2.10% |
| Q2 2025 | 3.75% | 1.53% | 2.23% |
| Q3 2025 | 3.84% | 1.51% | 2.34% |
| Q4 2025 | 3.86% | 1.47% | 2.45% |
| Q1 2026 | 3.78% | 1.42% | 2.42% |
| Q2 2026 | 3.84% | 1.37% | 2.55% |
The Citizens National Bank of Hillsboro yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Hillsboro, freeSource: Call Report Schedules RI and RC-K, 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)