Citizens Bank of Edinburg: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 3.60 percentage points lower than in Q2 2026, at 29.68%. Within Illinois, Citizens Bank of Edinburg is 215th of 323 on return on assets, 0.92% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Citizens Bank of Edinburg sits 0.06 points lower, at 0.92% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.24% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.20% |
| Allowance for credit losses to loans | 1.91% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.92% |
| Return on equity | 8.14% |
| Net interest margin | 3.54% |
| Efficiency ratio | 61.30% |
| Yield on earning assets | 4.41% |
| Cost of funds | 0.88% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 29.68% |
| Core deposits to total deposits | 88.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.39% |
| Securities to assets | 27.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | — | — | — | 9.48% | 0.94% |
| Q1 2024 | — | — | — | 9.72% | 0.86% |
| Q2 2024 | 19.74% | 19.74% | 20.73% | 10.10% | 0.83% |
| Q3 2024 | 19.32% | 19.32% | 20.25% | 10.02% | 1.01% |
| Q4 2024 | — | — | — | 9.50% | 0.84% |
| Q1 2025 | — | — | — | 9.59% | 1.06% |
| Q2 2025 | — | — | — | 10.34% | 1.14% |
| Q3 2025 | — | — | — | 10.64% | 1.27% |
| Q4 2025 | — | — | — | 10.70% | 0.84% |
| Q1 2026 | — | — | — | 11.15% | 0.95% |
| Q2 2026 | — | — | — | 11.93% | 0.95% |
| Q3 2026 | — | — | — | 12.24% | 0.92% |
Citizens Bank of Edinburg vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Edinburg, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank of Edinburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20454) · FFIEC NIC profile (RSSD 915935)