CITIZENS STATE BANK

LENA, IL | Small | Est. Jan. 1, 1880, midnight | FDIC #10474 | RSSD #356239 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in LENA, IL, established in Jan. 1, 1880, midnight. As of 2025-12-31, the bank reported total assets of $498M and total deposits of $448M. Profitability stands at 1.61% ROA and 16.78% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 15.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.64% and a Texas Ratio of 10.11%. FDIC Certificate #10474.

Assets

$498M

Deposits

$448M

Loans

$295M

Equity

$47M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 16.78%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.17%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 1.64%
Net Charge-Off Ratio 0.58%
Texas Ratio 10.11%
NPA Ratio 0.99%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 15.08%
Tier 1 Capital 15.08%
Total Capital Ratio 15.76%
Leverage Ratio 10.48%
Loan-to-Deposit 65.91%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required