The Citizens National Bank of Hillsboro: how it compares with its peers
Against 133 TX banks with half to twice its assets, The Citizens National Bank of Hillsboro's strongest measure in Q2 2026 is assets per employee ($7.7M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (2.52% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.46% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.52% | 4.20% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.49% | 62.89% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $6.6M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 30.21% | 66.93% | Context |
What it means for lending operations
Its efficiency ratio of 65.49% is above the 62.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sanger Bank Sanger, TX · $224M
- First State Bank of Bedias Bedias, TX · $225M
- Unity National Bank of Houston Houston, TX · $225M
- Muenster State Bank Muenster, TX · $227M
- First National Bank of Lake Jackson Lake Jackson, TX · $218M
- The First National Bank of Anderson Anderson, TX · $230M
Questions about The Citizens National Bank of Hillsboro
How big is The Citizens National Bank of Hillsboro?
The Citizens National Bank of Hillsboro, established in 1893, is headquartered in Hillsboro, TX. It reported $224M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens National Bank of Hillsboro's return on assets?
1.21% annualized in Q2 2026, against a 1.46% median for 133 TX banks with half to twice its assets, ahead of 35% of them.
What is The Citizens National Bank of Hillsboro's efficiency ratio?
65.49% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 62.89%, and lower is better.
Is The Citizens National Bank of Hillsboro growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.