CITIZENS NATIONAL BANK OF ALBION

ALBION, IL | Small | Est. Aug. 5, 1940, midnight | FDIC #15760 | RSSD #853747 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF ALBION is asn small FDIC-insured commercial bank headquartered in ALBION, IL, established in Aug. 5, 1940, midnight. As of 2025-12-31, the bank reported total assets of $346M and total deposits of $283M. Profitability stands at 1.18% ROA and 6.98% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 24.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 1.87%. FDIC Certificate #15760.

Assets

$346M

Deposits

$283M

Loans

$232M

Equity

$59M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 6.98%
Net Interest Margin (NIM) 3.84%
Yield on Assets 5.43%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.87%
NPA Ratio 0.33%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 24.63%
Tier 1 Capital 24.63%
Total Capital Ratio 25.88%
Leverage Ratio 16.72%
Loan-to-Deposit 81.85%

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