🏦Bank Scorer

THE CITIZENS NATIONAL BANK OF HILLSBORO

HILLSBORO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1893FDIC #3,255
Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

200 E Elm St, HILLSBORO, TX

County

Hill County

Established

January 1, 1893

Total Assets

$226M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 27, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$226M

Total Deposits

$209M

Net Loans

$64M

Net Income

$625K

ROA

1.09%

ROE

16.11%

Risk-Based Capital

32.55%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$199M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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