Side-by-side · Q2 2026 data
The Citizens National Bank of Hillsboro vs First National Bank of Central Texas
Metric by metric
| Measure | The Citizens National Bank of Hillsboro | First National Bank of Central Texas |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 75 (stronger) | 58 |
| Loan quality | 91 | 97 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 65 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 82nd | 91st |
| Total assets | $224.4M | $1.8B |
| Deposits / shares | $206.9M | $1.6B |
| Capital ratio | 12.53% (stronger) | 10.83% |
| Problem loans | 0.28% | 0.10% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.21% | 2.55% (stronger) |
| Loans ÷ deposits | 30.2% (stronger) | 87.8% |
| Uninsured deposits | 25.3% | 21.1% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens National Bank of Hillsboro has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Hillsboro leads on 4 and First National Bank of Central Texas on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hillsboro, TX