The Citizens National Bank of Hillsboro (FDIC certificate #3255) is based in Hillsboro, Texas. Its Q2 2026 call report shows $224.4M in total assets and $206.9M in deposits and 2 offices.
The Citizens National Bank of Hillsboro has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 71st. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (68/100, 1.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 79 |
| Q1 2025 | 81 |
| Q2 2025 | 83 |
| Q3 2025 | 85 |
| Q4 2025 | 82 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.20% |
| Q3 2024 | 12.97% |
| Q4 2024 | 12.45% |
| Q1 2025 | 12.49% |
| Q2 2025 | 13.13% |
| Q3 2025 | 13.30% |
| Q4 2025 | 12.48% |
| Q1 2026 | 12.07% |
| Q2 2026 | 12.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $224.4M | 12.53% | 0.28% | 1.21% | 30.2% |
| Q1 2026 | 82 | $226.1M | 12.07% | 0.02% | 1.09% | 30.6% |
| Q4 2025 | 82 | $233.4M | 12.48% | 0.03% | 0.97% | 30.2% |
| Q3 2025 | 85 | $213.3M | 13.30% | 0.00% | 0.89% | 32.8% |
| Q2 2025 | 83 | $213.8M | 13.13% | 0.00% | 0.86% | 30.9% |
| Q1 2025 | 81 | $214.3M | 12.49% | 0.00% | 0.77% | 29.6% |
| Q4 2024 | 79 | $219.3M | 12.45% | 0.03% | 0.65% | 28.6% |
| Q3 2024 | 81 | $218.4M | 12.97% | 0.04% | 0.56% | 30.1% |
| Q2 2024 | 80 | $211.6M | 13.20% | 0.13% | 0.50% | 29.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sanger BankBank Sanger, TX | 86 out of 100, Very strong | $224.4M | 16.5% | 0.51% | vs |
| First State Bank of BediasBank Bedias, TX | 81 out of 100, Strong | $224.8M | 17.9% | 2.01% | vs |
| Unity National Bank of HoustonBank Houston, TX | 65 out of 100, Moderate | $224.9M | 12.0% | 0.77% | vs |
| Muenster State BankBank Muenster, TX | 98 out of 100, Very strong | $227.0M | 14.8% | 0.00% | vs |
| First National Bank of Lake JacksonBank Lake Jackson, TX | 69 out of 100, Moderate | $218.4M | 11.7% | 0.00% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of Hillsboro?
Yes. The Citizens National Bank of Hillsboro is an FDIC-insured institution (FDIC certificate #3255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.3% of deposits ($52.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.70% (benchmark: 10%).
2 locations
Branches
The Citizens National Bank of Hillsboro lists 2 offices in 1 city. Most locations:
- Hillsboro, TX (2)
Identity & history
Profile
- Legal name
- The Citizens National Bank of Hillsboro
- Type
- National bank
- FDIC certificate #
- 3255
- RSSD ID
- 184656
- Primary regulator
- OCC
- Holding company
- Hillsboro Bancshares Inc
- Established
- January 1, 1893
- Headquarters
- 200 E Elm St, Hillsboro, TX 76645
- Website
- www.cnbhillsboro.com
- Employees
- 29
Quick answers
The Citizens National Bank of Hillsboro: common questions
Is The Citizens National Bank of Hillsboro FDIC insured?
Yes. The Citizens National Bank of Hillsboro is an FDIC-insured institution (FDIC certificate #3255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of Hillsboro's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens National Bank of Hillsboro ever failed?
There is no failure record for FDIC certificate #3255 in the FDIC failed bank list.
How many branches does The Citizens National Bank of Hillsboro have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hillsboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pointwest BankBank West, TX | 90 out of 100, Very strong | $137.3M | 12.5% | 0.00% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| The Cowboy Bank of TexasBank Maypearl, TX | 77 out of 100, Strong | $108.6M | 17.5% | 2.29% | vs |
| First Central Credit UnionCredit union Waco, TX | 76 out of 100, Strong | $191.7M | 16.4% | 1.95% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |