CITIZENS STATE BANK OF MILFORD

MILFORD, IL | Micro | Est. Sept. 23, 1907, midnight | FDIC #931 | RSSD #771047 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF MILFORD is amn micro FDIC-insured commercial bank headquartered in MILFORD, IL, established in Sept. 23, 1907, midnight. As of 2025-12-31, the bank reported total assets of $58M and total deposits of $53M. Profitability stands at 0.73% ROA and 9.24% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 12.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #931.

Assets

$58M

Deposits

$53M

Loans

$24M

Equity

$5M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 9.24%
Net Interest Margin (NIM) 4.08%
Yield on Assets 4.74%
Cost of Funds 0.87%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.49%

Capital & Liquidity

CET1 Ratio 12.78%
Tier 1 Capital 12.78%
Total Capital Ratio 13.12%
Leverage Ratio 9.23%
Loan-to-Deposit 46.19%

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