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Citizens National Bank Of Albion
Albion, IL · FDIC Certificate #15760 · Chartered 08/0
Total assets
$348.50M
Total deposits
$283.89M
Total equity
$60.45M
Net loans
$222.98M
Branches (offices)
5
Net income (YTD)
$2.64M
Rank: #2,260 of 4,213 U.S. banks by assets · #137 of 322 in Illinois. Assets changed 0.5% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 8.84% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 17.34% |
| Tier 1 leverage ratio | 17.35% |
| Uninsured deposits (share of deposits) | 16.8% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 69.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $154.16M | 69.1% | |
| Commercial & industrial | $28.08M | 12.6% | |
| Consumer / individual | $13.90M | 6.2% | |
| Construction & development | $2.21M | 1.0% | |
| Agricultural | $29.40M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $353.96M | $300.50M | $1.22M | $51.85M |
| Jun 2023 | $335.01M | $277.21M | $1.53M | $51.85M |
| Jun 2024 | $339.54M | $276.00M | $1.61M | $54.42M |
| Jun 2025 | $346.90M | $285.64M | $2.13M | $57.00M |
| Jun 2026 | $348.50M | $283.89M | $2.64M | $60.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $283.89M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.89M.
Similar-sized banks
Commercial Savings Bank ($348.84M) · Citizens Deposit Bank Of Arlington, Inc. ($348.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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