CITIZENS COMMUNITY BANK

MASCOUTAH, IL | Medium | Est. Dec. 21, 1992, midnight | FDIC #33753 | RSSD #2007991 | FDIC
Latest Report: 2025-12-31

CITIZENS COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in MASCOUTAH, IL, established in Dec. 21, 1992, midnight. As of 2025-12-31, the bank reported total assets of $532M and total deposits of $443M. Profitability stands at 0.42% ROA and 4.51% ROE, with a net interest margin of 2.73%. The bank's CET1 capital ratio is 9.24%. Asset quality metrics show a non-performing loan ratio of 5.52% and a Texas Ratio of 28.87%. FDIC Certificate #33753.

Assets

$532M

Deposits

$443M

Loans

$288M

Equity

$49M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 4.51%
Net Interest Margin (NIM) 2.73%
Yield on Assets 5.07%
Cost of Funds 2.51%

Asset Quality

NPL Ratio 5.52%
Net Charge-Off Ratio 0.07%
Texas Ratio 28.87%
NPA Ratio 2.99%
ACL / Loans 2.05%

Capital & Liquidity

CET1 Ratio 9.24%
Tier 1 Capital 9.24%
Total Capital Ratio 9.70%
Leverage Ratio 10.47%
Loan-to-Deposit 65.08%

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