Citizens Community Bank
Mascoutah, IL
IDRSSD: 2007991
Total Assets
$516.07M
Latest filing
Total Deposits
$427.14M
Latest filing
Net Interest Margin
2.72%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Community Bank
9 E Main St
Mascoutah, IL 62258
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/21/1992FDIC Certificate 47963
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Community Bank (Main) | 9 E Main St | Mascoutah, IL |
| FREEBURG BRANCH | 620 N State St | Freeburg, IL |
| NEW ATHENS BRANCH | 704 New Baldwin Rd | New Athens, IL |
| CENTRAL LOCATION BRANCH | 10 N Railway | Mascoutah, IL |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First FSB of Mascoutah
Mascoutah, Illinois
→
Assets: $196.01MΔ -60.6%
Germantown Trust & Savings Bank
Breese, Illinois
→
Assets: $499.53MΔ +0.5%
Bank of Belleville
Belleville, Illinois
→
Assets: $503.02MΔ +1.2%
First Secure Community Bank
Sugar Grove, Illinois
→
Assets: $506.97MΔ +2.0%
The FNB Community Bank
Vandalia, Illinois
→
Assets: $486.08MΔ -2.2%
Casey State Bank
Casey, Illinois
→
Assets: $481.86MΔ -3.0%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/21/1992 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62258 |
| State and County Number | 17163 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/21/1992 |
| Primary Insurance Agency | DIF |
| Website | http://www.citizenscommunitybank.com |
| Data Updated | 11/14/2025 |
| CERT | 33753 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $516.07M |
| Total Deposits | $427.14M |
| Total Liabilities | $467.52M |
| Total Equity Capital | $48.55M |
| Net Income | $1.18M |
| Net Loans and Leases | $281.13M |
| Assets Per Employee ($Millions) | $10.53M |
| Bank Premises and Fixed Assets | $2.08M |
| Cash and Balances due from Depository Institutions | $25.89M |
| Deposits Held in Domestic Offices | $427.14M |
Key Performance Ratios
| Return on Assets (ROA) | 0.93% |
| Return on Equity (ROE) | 9.9% |
| Net Interest Margin | 2.72% |
| Efficiency Ratio | 56.01% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.407% |
| Earning Assets to total Assets | 95.93% |
Income and Expense
| Total Interest Income | $6.11M |
| Total Noninterest Income | $298.00k |
| Total Interest Expense | $2.80M |
| Total Noninterest Expense | $2.02M |
| Net Interest Income | $3.31M |
| Pre-tax Net Operating Income | $1.48M |
| Provision for Credit Losses | $104.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $20.78M |
| All Other Liabilities | $4.60M |
| Total Liabilities and Capital | $516.07M |
Securities
| Securities | $191.70M |
| Available-for-sale debt securities | $97.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $94.52M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Community Bank?
$516.07M as of the latest filing.
How much are Citizens Community Bank's total deposits?
$427.14M in total deposits.
Where is Citizens Community Bank located?
Mascoutah, IL.
What is the Net Interest Margin?
2.72%.
How many domestic offices does it operate?
4.
When was it established?
12/21/1992.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$281.13M (latest filing).
What is the total interest income (latest filing)?
$6.11M.