Bank Comparison
Citizens National Bank of Hillsboro, the vs I3 Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens National Bank of Hillsboro, the | I3 Bank |
|---|---|---|
| CET1 Ratio | 31.78% | 10.08% |
| Tier 1 Capital Ratio | 31.78% | 10.08% |
| Total Capital Ratio | 32.55% | 11.33% |
| Tier 1 Leverage Ratio | 12.07% | 9.11% |
| Equity / Assets | 6.84% | 7.88% |
Profitability
| Metric | Citizens National Bank of Hillsboro, the | I3 Bank |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 0.99% |
| Return on Equity (ROE) | 16.11% | 12.19% |
| Net Interest Margin (NIM) | 2.42% | 4.73% |
| Yield on Earning Assets | 3.78% | 6.92% |
| Cost of Funds | 1.43% | 2.31% |
Asset quality
| Metric | Citizens National Bank of Hillsboro, the | I3 Bank |
|---|---|---|
| Texas Ratio | 0.10% | 18.37% |
| Non-Performing Loan Ratio | 0.00% | 1.75% |
| Non-Performing Asset Ratio | 0.00% | 1.37% |
| Net Charge-Off Ratio | -0.01% | 0.16% |
| ACL / Loans | 1.02% | 1.41% |
Balance sheet
| Metric | Citizens National Bank of Hillsboro, the | I3 Bank |
|---|---|---|
| Total Assets | $226,082K | $226,169K |
| Total Deposits | $208,581K | $197,262K |
| Total Loans | $64,462K | $177,082K |
| Total Equity | $15,457K | $17,812K |
| Net Income (quarter) | $625 | $547 |
Liquidity & funding
| Metric | Citizens National Bank of Hillsboro, the | I3 Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 30.91% | 89.77% |
| Core Deposit Ratio | 92.22% | 96.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank of Hillsboro, the | I3 Bank |
|---|---|---|
| Headquarters City | HILLSBORO | BENNINGTON |
| Headquarters State | TX | NE |
| Asset Tier | Small | Small |
| Charter Class | 4900 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 28 | 38 |
| Established | Jan. 1, 1893, midnight | Jan. 28, 1928, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Citizens National Bank of Hillsboro, the profile | View full I3 Bank profile | Browse all bank comparisons