BlastPoint's Banking Scorecard
The Citizens National Bank of Hillsboro
Micro
Specialty: Other
TX
FDIC cert 3255
Designations: ✓ Community bank
Hillsboro, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Citizens National Bank of Hillsboro has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 21.39% above tier
- + Non-Interest Income / Assets 0.55% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.60% below tier
- - Loan-to-Deposit Ratio 44.35% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$233.4M
+6.5% YoY
+9.4% QoQ
|
+$15.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$65.0M
+8.5% YoY
+0.3% QoQ
|
-$74.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$215.6M
+2.8% YoY
+9.2% QoQ
|
+$31.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.97%
+47.5% YoY
+8.7% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
2.25%
+16.5% YoY
+2.4% QoQ
|
-1.60% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
69.92%
-8.1% YoY
-2.8% QoQ
|
+2.19% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.03%
+21.0% YoY
+946.4% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
30.17%
+5.5% YoY
-8.1% QoQ
|
-44.35% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.31%
+4.6% YoY
-1.9% QoQ
|
+8.91% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.01%
+23.3% YoY
+859.5% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
30.24%
-2.4% YoY
-2.8% QoQ
|
+21.39% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
1.11%
+5.8% YoY
+25.4% QoQ
|
+0.55% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
30.24%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.11%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.25%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
30.17%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Tier 1 Capital Ratio
Current: 30.24% · Tier avg: 8.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.56%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.31% · Tier avg: 22.39%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
63
63th pctile
Total Deposits
Current: $215.6M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $233.4M · Tier avg: $217.5M
43
43th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
40
40th pctile
Efficiency Ratio
Current: 69.92% · Tier avg: 67.73%
27
27th pctile
Total Loans
Current: $65.0M · Tier avg: $139.2M
3
3th pctile
Net Interest Margin
Current: 2.25% · Tier avg: 3.85%
2
2th pctile
Loan-to-Deposit Ratio
Current: 30.17% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 30.17% · Tier avg: 74.53%
3
3th pctile
Net Interest Margin
Current: 2.25% · Tier avg: 3.85%
27
27th pctile
Total Loans
Current: $65.0M · Tier avg: $139.2M
40
40th pctile
Efficiency Ratio
Current: 69.92% · Tier avg: 67.73%
43
43th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
58
58th pctile
Total Assets
Current: $233.4M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $215.6M · Tier avg: $183.7M
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.31% · Tier avg: 22.39%
93
93th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.56%
96
96th pctile
Tier 1 Capital Ratio
Current: 30.24% · Tier avg: 8.85%