Citizens Community Bank (Mascoutah, IL)
BankRegReports is independent of Citizens Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Community Bank is an FDIC-insured commercial bank headquartered in Mascoutah, IL, established in 1992 (FDIC certificate 33753), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $531.0M, up 6.9% from Q2 2025, the 95th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.83% 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
- 33753
- Headquarters
- Mascoutah, IL
- Established
- 1992
- Total assets, Q2 2026
- $531.0M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 9.83%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081025363
- Holding company
- CITIZENS BANCORPORATION, INC.
- Asset rank in state
- 95th of 319 in Illinois
Problem loans are rising at Citizens Community Bank. Based in Mascoutah, Illinois, it had $531 million in assets at June 30, 2026, up 6.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.70% of loans from 3.85% a year earlier. It loses about $1.21 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 2.36 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
It lost $1.6 million in the quarter. Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 32% of Tier 1 capital, down from 37% a year earlier. Credit is the area to watch: it carries problem assets equal to 33.0% of the capital and reserves that would absorb them, 12.5 times the median of 2.6% for banks its size.
As of June 30, 2026, Citizens Community Bank reported a return on assets of -1.21%, a nonperforming-loan ratio of 5.81% and a Texas ratio of 32.96%. The figures come from its call report filed with the FFIEC.
Citizens Community Bank ranks as the 95th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $531.0M, loans rose 1.9% and deposits fell 0.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 21.3% of total loans, followed by 1-4 family residential loans at 21.1%. The FDIC Summary of Deposits lists 4 offices for it, in Mascoutah, IL, Freeburg, IL and New Athens, IL; its Mascoutah 2 offices book 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9 E Main St, Mascoutah, IL 62258
- County
- St. Clair
- Metro Area
- St. Louis, MO-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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 21, 1992
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $446.1M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $541.0M
- Average total loans
- $265.3M
- Average interest-bearing deposits
- $390.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 21, 1992
- FDIC Cert
- 33753
- Fed RSSD
- 2007991
- Parent Holding Company
- CITIZENS BANCORPORATION, INC. (RSSD 2550143)
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 Community Bank 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 Community Bank's total assets ranged from $490.9M (Q3 2023) to $538.6M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$531.0M total assets against $497.0M; $484.0M total liabilities against $450.3M.
$273.0M net loans and leases against $271.9M; $446.1M total deposits against $417.7M.
$192.5M securities against $190.5M; $44.7M cash and balances due against $17.6M.
$6.0M total interest income against $5.7M; $2.9M total interest expense against $2.8M.
$3.1M net interest income against $2.9M.
$40K total noninterest income against $285K; $2.5M total noninterest expense against $2.2M.
$3.0M provision for credit losses against $135K.
-$1.6M net income against $750K.
-1.21% return on assets against 0.59%; 2.36% net interest margin against 2.42%.
9.83% tier 1 leverage ratio against 10.55%.
Inside the full Citizens Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Citizens Community Bank rankings
Its closest position to the top of a national ranking is 48 of 3,640, for Texas Ratio; its furthest is 3,578 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.21% (Q2 2026) to 0.91% (Q3 2025) and its net interest margin ran from 2.36% (Q2 2026) to 2.72% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.83% | -1.21% | 5.81% | 32.96% | 2.36% |
| Q1 2026 | 10.35% | 0.62% | 7.31% | 41.29% | 2.55% |
| Q4 2025 | 10.47% | 0.42% | 5.56% | 29.12% | 2.65% |
| Q3 2025 | 10.62% | 0.91% | 3.72% | 19.83% | 2.72% |
| Q2 2025 | 10.55% | 0.59% | 3.86% | 20.57% | 2.42% |
| Q1 2025 | 10.76% | 0.81% | 1.11% | 5.84% | 2.60% |
| Q4 2024 | 10.54% | 0.68% | 0.74% | 4.03% | 2.47% |
| Q3 2024 | 10.40% | 0.71% | 0.83% | 4.32% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 Community Bank (main office) | Mascoutah , IL | 62258 | $261.9M |
| Freeburg Branch | Freeburg , IL | 62243 | $137.9M |
| New Athens Branch | New Athens , IL | 62264 | $46.2M |
| Central Location Branch | Mascoutah , IL | 62258 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 116 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131 applications, 104 loans originated, $31.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $175K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Citizens Community Bank with peers
Frequently asked about Citizens Community Bank
What are Citizens Community Bank's total assets?
As of the Q2 2026 filing, Citizens Community Bank reported total assets of $531.0 million in its FFIEC call report.
Where is Citizens Community Bank headquartered?
It is headquartered in Mascoutah, IL, United States.
When was Citizens Community Bank founded?
It was established in 1992, per the FDIC institution directory.
Is Citizens Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Community Bank?
Citizens Community Bank's primary federal regulator is the FDIC.
How many branches does Citizens Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Community Bank's Texas Ratio?
Its Texas Ratio is 32.96% 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.
Go deeper on Citizens Community Bank.
Get an email when Citizens Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Community Bank, freeFree account