BanksCITIZENS STATE BANK OF MILFORD

CITIZENS STATE BANK OF MILFORD

MILFORD, ILMicroEst. Sept. 23, 1907, midnightFDIC #931RSSD #771047FDIC
Latest · 2025-12-31

CITIZENS STATE BANK OF MILFORD is an 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%. CET1 capital ratio: 12.78%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$58M
Deposits
$53M
Loans
$24M
Equity
$5M

Profitability

Return on Assets (ROA)0.73%
Return on Equity (ROE)9.24%
Net Interest Margin4.08%
Yield on Assets4.74%
Cost of Funds0.66%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.49%

Capital & Liquidity

CET1 Ratio12.78%
Tier 1 Capital12.78%
Total Capital Ratio13.12%
Leverage Ratio9.23%
Loan-to-Deposit46.19%

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