Citizens State Bank (Lena, IL)
BankRegReports is independent of Citizens State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank is an FDIC-insured commercial bank headquartered in Lena, IL, established in 1880 (FDIC certificate 10474), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $453.3M, down 0.7% from Q2 2025, the 108th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10474
- Headquarters
- Lena, IL
- Established
- 1880
- Total assets, Q2 2026
- $453.3M
- Assets vs Q2 2025
- -0.7%
- CET1 ratio, Q2 2026
- 14.01%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071108106
- Holding company
- FIRST LENA CORPORATION
- Asset rank in state
- 108th of 319 in Illinois
Problem loans are rising at Citizens State Bank. The Lena, Illinois bank had $453 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.23% of loans from 0.89% a year earlier. It spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also returns 19.8% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Net income for the quarter rose 25% from a year earlier, to $2.2 million. Over the same year, loans grew 6.1% and deposits shrank 1.4%. Credit is the area to watch: it carries problem assets equal to 9.5% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Citizens State Bank reported a CET1 capital ratio of 14.01%, a return on assets of 1.91%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 9.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank is the 108th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $453.3M, loans rose 2.2% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by agricultural production loans, at 38.8% of total loans, followed by 1-4 family residential loans at 19.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in IL; its Lena office books 50% of its branch deposits. Judged on its Q2 2026 call report, Citizens State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 W Main St, Lena, IL 61048
- County
- Stephenson
- Metro Area
- Freeport, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1880
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $407.5M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$23K
- Average total assets
- $469.0M
- Average total loans
- $299.2M
- Average interest-bearing deposits
- $366.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10474
- Fed RSSD
- 356239
- Website
- http://www.csbnow.com →
- Parent Holding Company
- FIRST LENA CORPORATION (RSSD 1208148)
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
Citizens State Bank's total assets moved between a low of $389.7M (Q3 2023) and a high of $497.9M (Q4 2025) from Q3 2023 to Q2 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
$453.3M total assets against $456.5M; $410.6M total liabilities against $416.4M.
$299.3M net loans and leases against $281.3M; $407.5M total deposits against $413.3M.
$122.2M securities against $106.1M; $11.2M cash and balances due against $49.1M.
$6.1M total interest income against $5.6M; $1.8M total interest expense against $1.9M.
$4.3M net interest income against $3.8M.
$667K total noninterest income against $587K; $2.4M total noninterest expense against $2.4M.
$209K provision for credit losses against $45K.
$2.2M net income against $1.8M.
1.91% return on assets against 1.63%; 3.89% net interest margin against 3.57%.
14.01% CET1 capital ratio against 15.16%; 9.58% tier 1 leverage ratio against 10.34%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank rankings
Its closest position to the top of a national ranking is 495 of 3,606, for efficiency ratio; its furthest is 1,119 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q3 2025) to 1.91% (Q2 2026) and its net interest margin ran from 3.21% (Q3 2024) to 3.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 1.91% | 1.23% | 9.51% | 3.89% |
| Q1 2026 | 15.97% | 1.55% | 1.57% | 10.49% | 3.78% |
| Q4 2025 | 15.08% | 1.65% | 1.67% | 11.56% | 3.44% |
| Q3 2025 | 16.00% | 1.13% | 2.13% | 14.58% | 3.57% |
| Q2 2025 | 15.16% | 1.63% | 0.89% | 7.00% | 3.57% |
| Q1 2025 | 15.08% | 1.47% | 0.27% | 2.39% | 3.59% |
| Q4 2024 | 14.62% | 1.26% | 0.42% | 3.63% | 3.36% |
| Q3 2024 | 14.81% | 1.42% | 0.52% | 4.00% | 3.21% |
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 State Bank (main office) | Lena , IL | 61048 | $204.3M |
| Front Street Branch | Stockton , IL | 61085 | $94.9M |
| Freeport Branch | Freeport , IL | 61032 | $57.4M |
| The Elizabeth State Bank Branch | Elizabeth , IL | 61028 | $38.4M |
| 301 Main Street Branch | Savanna , IL | 61074 | $12.5M |
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 |
|---|---|---|---|
| January 21, 2023 | Structure Change | Acquired First Savanna Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 20, 2023 | 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.
- Deposit market share
- <0.1% of deposits in IL, rank 127 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows Citizens State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Citizens State Bank with peers
Frequently asked about Citizens State Bank
What are Citizens State Bank's total assets?
As of the Q2 2026 filing, Citizens State Bank reported total assets of $453.3 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Lena, IL, United States.
When was Citizens State Bank founded?
It was established in 1880, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10474). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank?
Citizens State Bank's primary federal regulator is the FDIC.
What is Citizens State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens State Bank 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 State Bank's Texas Ratio?
Its Texas Ratio is 9.51% 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 State Bank.
Get an email when Citizens State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Citizens State Bank, freeFree account