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
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