Citizens State Bank of Milford: 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 Q3 2026 was in Loan-to-deposit ratio: 2.50 percentage points higher than in Q2 2026, at 45.45%. Citizens State Bank of Milford has the 26th lowest return on assets of the 323 banks headquartered in Illinois, at 0.20% as of Q3 2026. Citizens State Bank of Milford's return on assets of 0.20% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.78 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 13.10% |
| Tier 1 risk-based capital ratio | 13.10% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 6.12% |
| Tangible equity to tangible assets | 6.12% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 2.43% |
| Allowance for credit losses to loans | 0.57% |
| Reserve coverage of non-performing loans | 154.02% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.20% |
| Return on equity | 2.90% |
| Net interest margin | 3.95% |
| Efficiency ratio | 87.65% |
| Yield on earning assets | 4.89% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 45.45% |
| Core deposits to total deposits | 99.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.49% |
| Securities to assets | 37.77% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 12.88% | 12.88% | 13.18% | 8.49% | 0.63% |
| Q1 2024 | 13.13% | 13.13% | 13.42% | 8.16% | 1.26% |
| Q2 2024 | 14.58% | 14.58% | 14.98% | 8.93% | 0.74% |
| Q3 2024 | 14.12% | 14.12% | 14.49% | 9.81% | 0.76% |
| Q4 2024 | 13.51% | 13.51% | 13.87% | 9.25% | 0.68% |
| Q1 2025 | 13.66% | 13.66% | 14.02% | 8.45% | 0.71% |
| Q2 2025 | 14.64% | 14.64% | 15.04% | 9.10% | 0.35% |
| Q3 2025 | 13.88% | 13.88% | 14.26% | 9.50% | 0.12% |
| Q4 2025 | 12.78% | 12.78% | 13.12% | 9.23% | 0.73% |
| Q1 2026 | 13.47% | 13.47% | 13.84% | 8.54% | 0.33% |
| Q2 2026 | 13.35% | 13.35% | 13.71% | 9.11% | 0.58% |
| Q3 2026 | 13.10% | 13.10% | 13.47% | 9.30% | 0.20% |
Citizens State Bank of Milford vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Milford, 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 State Bank of Milford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 931) · FFIEC NIC profile (RSSD 771047)