The Citizens National Bank of Hillsboro
The Citizens National Bank of Hillsboro is headquartered in Hillsboro and is the 264th largest bank in the state of Texas. It is also the 3,108th largest bank in the nation. It was established in 1893 and as of December of 2019, it had grown to 28 employees at 2 locations. The Citizens National Bank of Hillsboro's money market rates are 25% higher than the national average, and it has an A health rating.
Small Town Charm
Recently from Ohio to Hillsboro,Texas and needed a local bank, there I found Citizens National Bank.Figured that because I was in a small town, the service would be so much better then my previous town.I WAS RIGHT! Benefit of being in a small town is you a pretty much learn who everyone is.In the case of my banking experiences,I usually get called by name when I come into the bank.Really enjoyed that, made me feel important and appreciated.5 Star treatment for such a small account.Always greeted with a smile, and ready to address my banking needs.Most of the larger scale banks in larger towns and big city, couldn't possible match the business you receive in a small town.Already I can see myself as a loyal customer!Thank you Citizens National Bank!
Moving has been a smooth experience
After moving from Ohio,I didn't know which bank to choose.I decided to find out more about Citizens National Bank.I needed to transfer a checking and savings account it transferred no problem.I will say it has been an refreshing experience as the cost and pricing isn't much different from what I am used to.They explained and have shown me all the services they offer in a way I can understand.I am well aware of my options now.now. I'm soon to be interested in investing over a multiple different areas such as CD's.I even considered a credit card. No matter what they said they were there to help.Here they remember you and call you by name when you come into the branch.You often see them in town when shopping.The bank is never busy and I can get in and out pretty quickly.
No Small Town Charm.
I recently moved here from az, this bank cant deposit electronic transfers. To open an account,so i had to close my account in az and get a cashiers check mailed.After ok'ing me to open an account,i was denied. three forms of i.d. I only use debit card so im assuming i was denied because i have no recent history of borrowing,after the bank bailouts during the recession i vowed to never borrow money from the bank.HOPEFULLY THE FIRST CENTRAL CREDIT UNION WILL OPEN AN ACCOUNT. i HAVE NO BAD CHECK HISTORY OR ANYTHING.Not so sure these glowing reviews are legit.
Data as of Q4 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3255 |
| Year Established | 1893 |
| Employees | 28 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.31% |
| Return on Equity - YTD | 9.32% |
| Annual Interest Income | $5.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $174.4MM$174.7MM |
| Loans | Q4 2019vs Q4 2018 | $44.3MM$44.3MM |
| Deposits | Q4 2019vs Q4 2018 | $147.5MM$147.0MM |
| Equity Capital | Q4 2019vs Q4 2018 | $25.3MM$21.1MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $476.00K$477.00K |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $22.00K$92.00K |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$0 |