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Citizens State Bank
Lena, IL · FDIC Certificate #10474 · Chartered 01/0
Total assets
$453.30M
Total deposits
$407.48M
Total equity
$42.66M
Net loans
$299.31M
Branches (offices)
5
Net income (YTD)
$4.03M
Rank: #1,900 of 4,213 U.S. banks by assets · #110 of 322 in Illinois. Assets changed -0.7% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 17.57% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 9.41% |
| Tier 1 leverage ratio | 9.58% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 1.23% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 73.5% |
| Real estate loans (share of loans) | 48.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $143.75M | 48.0% | |
| Commercial & industrial | $29.60M | 9.9% | |
| Consumer / individual | $9.08M | 3.0% | |
| Construction & development | $2.98M | 1.0% | |
| Agricultural | $116.99M | 39.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $383.45M | $352.25M | $1.62M | $27.77M |
| Jun 2023 | $386.32M | $352.95M | $2.61M | $30.30M |
| Jun 2024 | $410.14M | $367.51M | $2.75M | $35.49M |
| Jun 2025 | $456.55M | $413.25M | $3.36M | $40.13M |
| Jun 2026 | $453.30M | $407.48M | $4.03M | $42.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $407.48M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $407.48M.
Similar-sized banks
The Denison State Bank ($453.58M) · New Era Bank ($453.11M)
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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