Citizens National Bank of Albion
Also written as CNB of Albion
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Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank of Albion is an FDIC-insured commercial bank headquartered in Albion, IL, established in 1940 (FDIC certificate 15760), and it is supervised by the OCC. At Q2 2026 it reported total assets of $348.5M, up 0.5% from Q2 2025, the 135th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 25.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 15760
- Headquarters
- Albion, IL
- Established
- 1940
- Total assets, Q2 2026
- $348.5M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 25.45%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081221549
- Latest call report
- Q2 2026, FFIEC 051 · Citizens National Bank of Albion Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- CITIZENS BANCSHARES, INC.
- Asset rank in state
- 135th of 319 in Illinois
Citizens National Bank of Albion carries far more capital than most banks of its size. It reported $349 million in assets at June 30, 2026. It funds 17.35% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 30% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 25% from a year earlier, to $1.4 million.
As of June 30, 2026, Citizens National Bank of Albion reported a CET1 capital ratio of 25.45%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 1.94%. The figures come from its call report filed with the FFIEC.
Citizens National Bank of Albion ranks as the 135th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $348.5M, loans fell 0.1% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.7% of total loans, followed by farmland and other real estate loans at 24.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Albion office books 60% of its branch deposits. Judged on its Q2 2026 call report, Citizens National Bank of Albion meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 W Elm St, Albion, IL 62806
- County
- Edwards
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 5, 1940
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $283.9M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $163K
- Average total assets
- $354.3M
- Average total loans
- $227.1M
- Average interest-bearing deposits
- $230.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 5, 1940
- FDIC Cert
- 15760
- Fed RSSD
- 853747
- Website
- www.cnbalbion.bank →
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 2473260)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens National Bank of Albion's total assets ran between $334.2M (Q3 2023) and $353.4M (Q1 2026), 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
$348.5M total assets against $346.9M; $288.1M total liabilities against $289.9M.
$223.0M net loans and leases against $222.6M; $283.9M total deposits against $285.6M.
$94.1M securities against $93.2M; $11.5M cash and balances due against $14.7M.
$4.4M total interest income against $4.1M; $1.1M total interest expense against $1.2M.
$3.3M net interest income against $2.8M.
$376K total noninterest income against $369K; $1.8M total noninterest expense against $1.7M.
$45K provision for credit losses against $45K.
$1.4M net income against $1.1M.
1.54% return on assets against 1.24%; 4.02% net interest margin against 3.46%.
25.45% CET1 capital ratio against 24.72%; 17.35% tier 1 leverage ratio against 16.90%.
Inside the full Citizens National Bank of Albion terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens National Bank of Albion rankings
Its closest position to the top of a national ranking is 142 of 2,134, for CET1 ratio; its furthest is 2,279 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.54% (Q2 2026) and its net interest margin ran from 3.20% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.45% | 1.54% | 0.54% | 1.94% | 4.02% |
| Q1 2026 | 25.05% | 1.45% | 0.58% | 2.10% | 3.89% |
| Q4 2025 | 24.63% | 1.16% | 0.51% | 1.92% | 3.75% |
| Q3 2025 | 24.91% | 1.34% | 0.54% | 1.98% | 3.67% |
| Q2 2025 | 24.72% | 1.24% | 0.49% | 1.87% | 3.46% |
| Q1 2025 | 24.87% | 1.19% | 0.44% | 1.69% | 3.41% |
| Q4 2024 | 23.50% | 0.93% | 0.34% | 1.41% | 3.26% |
| Q3 2024 | 23.96% | 1.03% | 0.40% | 1.58% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 National Bank of Albion (main office) | Albion , IL | 62806 | $170.1M |
| Olney Branch | Olney , IL | 62450 | $41.7M |
| Bridgeport Branch | Bridgeport , IL | 62417 | $31.8M |
| Crossville Branch | Crossville , IL | 62827 | $22.6M |
| Mt Erie Branch | Mount Erie , IL | 62446 | $17.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 18, 2015 | Structure Change | Acquired The Bank of Lawrence County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action December 8, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 169 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 National Bank of Albion
What are Citizens National Bank of Albion's total assets?
As of the Q2 2026 filing, Citizens National Bank of Albion reported total assets of $348.5 million in its FFIEC call report.
Where is Citizens National Bank of Albion headquartered?
It is headquartered in Albion, IL, United States.
When was Citizens National Bank of Albion founded?
It was established in 1940, per the FDIC institution directory.
Is Citizens National Bank of Albion FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank of Albion?
Citizens National Bank of Albion's primary federal regulator is the OCC.
What is Citizens National Bank of Albion's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens National Bank of Albion operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank of Albion's Texas Ratio?
Its Texas Ratio is 1.94% 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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