Citizens State Bank

BankLena, Illinois
http://www.csbnow.com

Total Assets

$497.9M

Total Deposits

$447.7M

Branches

5

Established

1880

TFS Health Grade

$
C-

72.0 / 100

Average financial health

How we grade

Citizens State Bank is a bank headquartered in Lena, Illinois, established in 1880. With $497.9M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.48%(8%)
Total Capital Ratio
15.76%(10%)
Non-Performing Loan Ratio
1.67%

Profitability

Return on Assets (ROA)
1.46%(1%)
Return on Equity (ROE)
15.66%(10%)
Net Interest Margin
3.59%
Efficiency Ratio
53.80%(60%)

Lending & Liquidity

Total Loans
$295.1M
Loan-to-Deposit Ratio
65.45%
Net Charge-Off Ratio
0.60%

Growth

Asset Growth (YoY)
+20.11%
Deposit Growth (YoY)
+20.01%
Net Income
$6.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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