Citizens National Bank of Albion: 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 Q2 2026 was in Reserve coverage of non-performing loans: 23.55 percentage points higher than in Q1 2026, at 249.26%. Citizens National Bank of Albion ranks 90th of 323 Illinois banks on return on assets, in the upper half at 1.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens National Bank of Albion sits 0.28 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.45% |
| Tier 1 risk-based capital ratio | 25.45% |
| Total risk-based capital ratio | 26.70% |
| Tier 1 leverage ratio | 17.35% |
| Equity capital to assets | 17.34% |
| Tangible equity to tangible assets | 17.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 2.17% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 249.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 9.05% |
| Net interest margin | 4.02% |
| Efficiency ratio | 48.60% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.67% |
| Core deposits to total deposits | 90.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.46% |
| Securities to assets | 27.01% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 24.34% | 24.34% | 25.59% | 16.94% | 0.75% |
| Q4 2023 | 23.04% | 23.04% | 24.29% | 16.38% | 0.68% |
| Q1 2024 | 23.87% | 23.87% | 25.12% | 16.54% | 0.87% |
| Q2 2024 | 23.73% | 23.73% | 24.99% | 16.66% | 1.00% |
| Q3 2024 | 23.96% | 23.96% | 25.21% | 16.91% | 1.03% |
| Q4 2024 | 23.50% | 23.50% | 24.75% | 16.17% | 0.93% |
| Q1 2025 | 24.87% | 24.87% | 26.12% | 16.79% | 1.19% |
| Q2 2025 | 24.72% | 24.72% | 25.97% | 16.90% | 1.24% |
| Q3 2025 | 24.91% | 24.91% | 26.16% | 17.17% | 1.34% |
| Q4 2025 | 24.63% | 24.63% | 25.88% | 16.71% | 1.16% |
| Q1 2026 | 25.05% | 25.05% | 26.30% | 17.23% | 1.45% |
| Q2 2026 | 25.45% | 25.45% | 26.70% | 17.35% | 1.54% |
Citizens National Bank of Albion vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Albion, 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 National Bank of Albion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15760) · FFIEC NIC profile (RSSD 853747)