CITIZENS BANK OF EDINBURG

EDINBURG, IL | Micro | Est. July 16, 1971, midnight | FDIC #20454 | RSSD #915935 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF EDINBURG is amn micro FDIC-insured commercial bank headquartered in EDINBURG, IL, established in July 16, 1971, midnight. As of 2025-12-31, the bank reported total assets of $31M and total deposits of $27M. Profitability stands at 0.84% ROA and 8.24% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 10.49%, 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 #20454.

Assets

$31M

Deposits

$27M

Loans

$9M

Equity

$3M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 8.24%
Net Interest Margin (NIM) 3.53%
Yield on Assets 4.41%
Cost of Funds 1.18%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.74%

Capital & Liquidity

CET1 Ratio 10.49%
Tier 1 Capital 10.49%
Total Capital Ratio 11.01%
Leverage Ratio 10.70%
Loan-to-Deposit 31.69%

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