Citizens State Bank
Lena, IL · Cert 10474 · Peer group: banks under $1B in assets in IL (n=149-151) · First Lena Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$453.3MAssets
$301.8MLoans
$407.5MDeposits
$42.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets in IL (rank 17 of 151).
- Widest gap: equity / assets trails 70% of banks under $1B in assets in IL (rank 106 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.46%
Rank 25 of 151
Net Interest Margin
3.59%
Rank 57 of 151
Efficiency Ratio
52.14%
Rank 27 of 151
Equity / Assets
9.41%
Rank 106 of 151
Non-interest income vs. expense
Unfavorable gap of $7.4M · efficiency ratio beats 83% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.70% | 1.03% | 1.34% | Beats 83% | 25 / 151 | |
| Return on Equity | 15.53% | 6.74% | 9.34% | 12.94% | Beats 89% | 17 / 151 | |
| Net Interest Margin | 3.59% | 3.02% | 3.43% | 3.83% | Beats 62% | 57 / 151 | |
| Efficiency Ratio | 52.14% | 54.64% | 64.89% | 72.50% | Beats 83% | 27 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.23% | 0.20% | 0.66% | 1.77% | Beats 36% | 97 / 149 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.07% | Beats 34% | 100 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 11.83% | 14.17% | 18.66% | Beats 48% | 78 / 151 | |
| Total Risk-Based Capital Ratio | 14.82% | 12.22% | 14.54% | 19.92% | Beats 52% | 72 / 151 | |
| Equity / Assets | 9.41% | 9.10% | 10.65% | 12.40% | Beats 30% | 106 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 74.08% | 54.39% | 71.02% | 80.75% | 57th pctl | 64 / 149 | |
| Loans / Assets | 66.59% | 45.91% | 61.31% | 68.01% | 69th pctl | 47 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |