Citizens Bank of Edinburg
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Edinburg is an FDIC-insured commercial bank headquartered in Edinburg, IL, established in 1971 (FDIC certificate 20454), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $29.0M, down 6.1% from Q2 2025, the 309th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20454
- Headquarters
- Edinburg, IL
- Established
- 1971
- Total assets, Q2 2026
- $29.0M
- Assets vs Q2 2025
- -6.1%
- Tier 1 leverage ratio, Q2 2026
- 11.93%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071123518
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Edinburg call report
- Holding company
- CB EDINBURG HOLDINGS, INC.
- Asset rank in state
- 309th of 319 in Illinois
Citizens Bank of Edinburg, based in Edinburg, Illinois, reported $29 million in assets at June 30, 2026, down 6.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also lost 7.7% of its deposits over the year, lower than about 9 in 10 banks its size (median 2.5%).
Net income for the quarter slipped 23% from a year earlier, to $69,000. Over the same year, loans shrank 2.0% and deposits shrank 7.7%.
As of June 30, 2026, Citizens Bank of Edinburg reported a return on assets of 0.95%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Citizens Bank of Edinburg ranks as the 309th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.2% to $29.0M, loans fell 2.2% and deposits fell 4.8%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 46.5% of total loans, followed by 1-4 family residential loans at 14.8%. Its one office in the FDIC Summary of Deposits is in Edinburg, IL. On its Q2 2026 call report, Citizens Bank of Edinburg meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Washington St, Edinburg, IL 62531
- County
- Christian
- Metro Area
- Taylorville, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 16, 1971
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $25.4M
- Allowance for credit losses
- $151K
- Net charge-offs (YTD)
- $0
- Average total assets
- $29.2M
- Average total loans
- $8.6M
- Average interest-bearing deposits
- $20.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 16, 1971
- FDIC Cert
- 20454
- Fed RSSD
- 915935
- Website
- http://www.edinburgbank.net →
- Parent Holding Company
- CB EDINBURG HOLDINGS, INC. (RSSD 4795863)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank of Edinburg reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank of Edinburg's total assets ranged from $29.0M (Q2 2026) to $33.7M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$29.0M total assets against $30.8M; $25.6M total liabilities against $27.8M.
$8.3M net loans and leases against $8.5M; $25.4M total deposits against $27.5M.
$8.6M securities against $8.4M; $10.9M cash and balances due against $12.8M.
$291K total interest income against $316K; $56K total interest expense against $61K.
$235K net interest income against $255K.
$14K total noninterest income against $20K; $157K total noninterest expense against $154K.
No provision recorded in the last 12 quarters.
$69K net income against $90K.
0.95% return on assets against 1.14%; 3.59% net interest margin against 3.46%.
11.93% tier 1 leverage ratio against 10.34%.
Inside the full Citizens Bank of Edinburg terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q4 2024) to 1.27% (Q3 2025) and its net interest margin ran from 3.17% (Q1 2025) to 3.63% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.93% | 0.95% | 0.00% | 0.00% | 3.59% |
| Q1 2026 | 11.15% | 0.95% | 0.00% | 0.00% | 3.36% |
| Q4 2025 | 10.70% | 0.84% | 0.01% | 0.03% | 3.58% |
| Q3 2025 | 10.64% | 1.27% | 0.00% | 0.00% | 3.63% |
| Q2 2025 | 10.34% | 1.14% | 0.00% | 0.00% | 3.46% |
| Q1 2025 | 9.59% | 1.06% | 0.00% | 0.00% | 3.17% |
| Q4 2024 | 9.50% | 0.84% | 0.00% | 0.00% | 3.18% |
| Q3 2024 | 10.02% | 1.01% | 0.00% | 0.00% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Edinburg (main office) | Edinburg , IL | 62531 | $25.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 362 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank of Edinburg
What are Citizens Bank of Edinburg's total assets?
As of the Q2 2026 filing, Citizens Bank of Edinburg reported total assets of $29.0 million in its FFIEC call report.
Where is Citizens Bank of Edinburg headquartered?
It is headquartered in Edinburg, IL, United States.
When was Citizens Bank of Edinburg founded?
It was established in 1971, per the FDIC institution directory.
Is Citizens Bank of Edinburg FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20454). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Edinburg?
Citizens Bank of Edinburg's primary federal regulator is the FDIC.
How many branches does Citizens Bank of Edinburg operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Edinburg's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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