Citizens Bank of Edinburg
Edinburg, IL · Cert 20454 · Peer group: banks under $1B in assets in IL (n=149-151) · CB Edinburg Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$29.0MAssets
$8.5MLoans
$25.4MDeposits
$3.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets in IL (rank 119 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.98%
Rank 85 of 151
Net Interest Margin
3.22%
Rank 101 of 151
Efficiency Ratio
62.05%
Rank 63 of 151
Equity / Assets
11.45%
Rank 54 of 151
Non-interest income vs. expense
Unfavorable gap of $562K · efficiency ratio beats 59% 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 | 0.98% | 0.70% | 1.03% | 1.34% | Beats 44% | 85 / 151 | |
| Return on Equity | 8.57% | 6.74% | 9.34% | 12.94% | Beats 43% | 86 / 151 | |
| Net Interest Margin | 3.22% | 3.02% | 3.43% | 3.83% | Beats 33% | 101 / 151 | |
| Efficiency Ratio | 62.05% | 54.64% | 64.89% | 72.50% | Beats 59% | 63 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 11.93% | 11.83% | 14.17% | 18.66% | Beats 26% | 111 / 151 | |
| Total Risk-Based Capital Ratio | 11.93% | 12.22% | 14.54% | 19.92% | Beats 21% | 119 / 151 | |
| Equity / Assets | 11.45% | 9.10% | 10.65% | 12.40% | Beats 64% | 54 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 33.29% | 54.39% | 71.02% | 80.75% | 2nd pctl | 146 / 149 | |
| Loans / Assets | 29.23% | 45.91% | 61.31% | 68.01% | 4th pctl | 145 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |