Citizens State Bank of Milford
Milford, IL · Cert 931 · Peer group: banks under $1B in assets in IL (n=149-151) · Arthur R Murray Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
$56.9MAssets
$22.4MLoans
$52.0MDeposits
$4.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets in IL (rank 140 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.37%
Rank 135 of 151
Net Interest Margin
3.74%
Rank 43 of 151
Efficiency Ratio
85.68%
Rank 140 of 151
Equity / Assets
8.00%
Rank 132 of 151
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 8% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.70% | 1.03% | 1.34% | Beats 11% | 135 / 151 | | |
| Return on Equity | 4.62% | 6.74% | 9.34% | 12.94% | Beats 14% | 130 / 151 | | |
| Net Interest Margin | 3.74% | 3.02% | 3.43% | 3.83% | Beats 72% | 43 / 151 | | |
| Efficiency Ratio | 85.68% | 54.64% | 64.89% | 72.50% | Beats 8% | 140 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.20% | 0.66% | 1.77% | Beats 48% | 79 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 13.35% | 11.83% | 14.17% | 18.66% | Beats 43% | 86 / 151 | | |
| Total Risk-Based Capital Ratio | 13.71% | 12.22% | 14.54% | 19.92% | Beats 42% | 87 / 151 | | |
| Equity / Assets | 8.00% | 9.10% | 10.65% | 12.40% | Beats 13% | 132 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.96% | 54.39% | 71.02% | 80.75% | 7th pctl | 138 / 149 | | |
| Loans / Assets | 39.27% | 45.91% | 61.31% | 68.01% | 10th pctl | 136 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |