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Citizens State Bank Locations & Branches Lena, Illinois
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Citizens State Bank operates 5 branches from its headquarters in Lena, IL, .
Citizens State Bank branch network
All 5 branches are in ILLINOIS, across 5 cities. Its largest office by deposits is its main office in Lena, IL, with $204.3M (50.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens State Bank at a glance
Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $453.3M
- CET1 ratio, Q2 2026
- 14.01%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1880
Full financial profile · Is Citizens State Bank safe? · Citizens State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lena, IL (1 branch) | 1 of 3 | 58.1% | $204.3M |
| State: IL (5 branches) | 127 of 379 | <0.1% | $407.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Citizens State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Stephenson, IL (2 branches) | 2 of 9 | 17.5% | $261.7M | $1.49B |
| Jo Daviess, IL (2 branches) | 3 of 5 | 15.0% | $133.3M | $890.6M |
| Carroll, IL (1 branch) | 8 of 8 | 2.0% | $12.5M | $617.8M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Freeport, IL (2 branches) | 2 of 9 | 17.5% | $261.7M | $1.49B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10474) · FFIEC NIC profile (RSSD 356239)