FDIC Cert #3255 · Hillsboro, Texas · Est. 1893

The Citizens National Bank of Hillsboro - FDIC Bank Health Profile

A community-scale look at The Citizens National Bank of Hillsboro's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$233M
Total assets
A
Health grade · Excellent
0.97%
Return on assets
30.2%
Tier 1 capital

Data updated July 2026

The verdict

The Citizens National Bank of Hillsboro earns a PlainBankData health grade of A (82/100), with well-capitalized at 30.24% Tier 1, 0.97% ROA, 70% efficiency ratio.

#2,832
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
30.24%
Tier 1 ratio - above the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 3255 · TX A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1795/4307
  • PHOTO-FINISH The First National B… · IL
  • TIER1-WELL 30.2% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-PAR 0.97% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: The First National Bank of Brownstown, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Citizens National Bank of Hillsbo…

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Ken… · KY ·…82/100The Citizens Nationa… · TX ·…82/100The First National B… · IL ·…82/100The FNB Community Bank · IL …82/100The Old Exchange Nat… · IL ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens National Bank of Hillsbo… · July 2026

Call Report read for The Citizens National Bank of Hillsbo… in a high-failure state

The Citizens National Bank of Hillsboro (FDIC Cert #3255) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,795 of 4,307. Tier 1 capital prints at 30.24%, clearing the 10% well-capitalized line. The Texas Ratio is 0.13%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $233M, 2,832nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Brownstown (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Citizens National Bank of Hillsbo…

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

The Citizens National Bank of Hillsboro sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about The Citizens National Bank of Hillsboro's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How The Citizens National Bank of Hillsboro's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
The Citizens National Bank of Hillsboro's composite health score
Tier 1 Capital Ratio (30.24%) 40/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (0.13%) 20/20
Efficiency Ratio (69.92%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$233M

Total balance-sheet footings

Total Deposits

$216M

Customer-funded liabilities

Net Loans

$65M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 28.84% 30.24% 31.64%
Basel III capital ratios - The Citizens National Bank of Hillsboro

Where The Citizens National Bank of Hillsboro ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens National Bank of Hillsboro's score of 82/100 falls in the highlighted band.

The Citizens National Bank of Hillsboro: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens National Bank of Hillsbo… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Citizens National Bank of Hillsboro's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens National Bank of Hillsboro's $233M falls in the highlighted band.

Capital & credit buffers at The Citizens National Bank of Hillsbo…

Tier 1 capital ratio
Well-capitalized 10%

30.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
30.24%
Texas Ratio
0.13%
Equity Capital
$16M

What these ratios mean →

Profitability metrics: The Citizens National Bank of Hillsbo…

Return on Assets (ROA)
40th percentile nationally
0.97%
Return on Equity (ROE)
17.52%
Efficiency Ratio
69.92%

What these mean →

Income & expense at The Citizens National Bank of Hillsbo…

$8M
Interest Income
$3M
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens National Bank of Hillsboro reports a Texas Ratio of 0.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Citizens National Bank of Hillsboro on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($233M here), outside Texas so the neighborhood is not state containment.

Gulf Atlantic Bank $233M · FL Bank of Milton $233M · WI The First National Bank of Sycamore $233M · OH Home Loan State Bank $234M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens National Bank of Hillsboro (FDIC Cert #3255) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Citizens National Bank of Hillsboro Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%