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Citizens State Bank Of Milford
Milford, IL · FDIC Certificate #931 · Chartered 09/2
Total assets
$56.92M
Total deposits
$52.04M
Total equity
$4.55M
Net loans
$22.23M
Branches (offices)
1
Net income (YTD)
$134.00K
Rank: #3,992 of 4,213 U.S. banks by assets · #292 of 322 in Illinois. Assets changed 6.7% and deposits 5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.47% |
| Return on equity | 5.89% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 8.00% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 21.7% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 42.7% |
| Real estate loans (share of loans) | 46.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.36M | 46.6% | |
| Commercial & industrial | $2.56M | 11.5% | |
| Consumer / individual | $722.00K | 3.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $8.69M | 39.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $54.41M | $50.05M | -$134.00K | $2.84M |
| Jun 2023 | $58.31M | $55.16M | $314.00K | $3.13M |
| Jun 2024 | $52.15M | $48.37M | $292.00K | $3.74M |
| Jun 2025 | $53.33M | $49.38M | $155.00K | $3.67M |
| Jun 2026 | $56.92M | $52.04M | $134.00K | $4.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $52.04M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $52.04M.
Similar-sized banks
Asian Pacific National Bank ($56.92M) · United Minnesota Bank ($56.92M)
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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