CITIZENS STATE BANK is an 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 3.41%. CET1 capital ratio: 15.08%, well above regulatory minimums. NPL ratio: 1.64% · Texas Ratio: 10.11%. Operates 5 domestic branches.
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