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The Citizens National Bank Of Hillsboro
Hillsboro, TX · FDIC Certificate #3255 · Chartered 01/0
Total assets
$224.37M
Total deposits
$206.91M
Total equity
$15.71M
Net loans
$62.51M
Branches (offices)
2
Net income (YTD)
$1.38M
Rank: #2,845 of 4,213 U.S. banks by assets · #246 of 346 in Texas. Assets changed 4.9% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 17.69% |
| Net interest margin (YTD) | 2.52% |
| Equity to assets | 7.00% |
| Tier 1 leverage ratio | 12.53% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 30.2% |
| Real estate loans (share of loans) | 65.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.92M | 65.5% | |
| Commercial & industrial | $14.23M | 22.8% | |
| Consumer / individual | $4.90M | 7.8% | |
| Construction & development | $837.00K | 1.3% | |
| Agricultural | $3.12M | 5.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $223.41M | $215.18M | $1.36M | $6.89M |
| Jun 2023 | $208.94M | $190.94M | $736.00K | $5.31M |
| Jun 2024 | $211.58M | $202.52M | $523.00K | $7.32M |
| Jun 2025 | $213.80M | $199.41M | $928.00K | $12.50M |
| Jun 2026 | $224.37M | $206.91M | $1.38M | $15.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $206.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $206.91M.
Similar-sized banks
Wcf Financial Bank ($224.38M) · Security Bank ($224.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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