Citizens Community Bank
Mascoutah, IL
IDRSSD: 2007991
Total Assets
$532.05M
Latest filing
Total Deposits
$442.84M
Latest filing
Net Interest Margin
2.61%
Profitability
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 49 |
| 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 | 01/30/2026 |
| CERT | 33753 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $532.05M |
| Total Deposits | $442.84M |
| Total Liabilities | $482.90M |
| Total Equity Capital | $49.16M |
| Net Income | $551.00k |
| Net Loans and Leases | $282.30M |
| Assets Per Employee ($Millions) | $10.64M |
| Bank Premises and Fixed Assets | $2.04M |
| Cash and Balances due from Depository Institutions | $43.04M |
| Deposits Held in Domestic Offices | $442.84M |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 4.51% |
| Net Interest Margin | 2.61% |
| Efficiency Ratio | 61.64% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.57% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.239% |
| Earning Assets to total Assets | 96.29% |
Income and Expense
| Total Interest Income | $6.12M |
| Total Noninterest Income | $309.00k |
| Total Interest Expense | $2.82M |
| Total Noninterest Expense | $2.22M |
| Net Interest Income | $3.29M |
| Pre-tax Net Operating Income | $628.00k |
| Provision for Credit Losses | $753.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $20.45M |
| All Other Liabilities | $4.61M |
| Total Liabilities and Capital | $532.05M |
Securities
| Securities | $189.87M |
| Available-for-sale debt securities | $95.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $94.51M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Community Bank?
$532.05M as of the latest filing.
How much are Citizens Community Bank's total deposits?
$442.84M in total deposits.
Where is Citizens Community Bank located?
Mascoutah, IL.
What is the Net Interest Margin?
2.61%.
How many domestic offices does it operate?
4.
When was it established?
12/21/1992.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$282.30M (latest filing).
What is the total interest income (latest filing)?
$6.12M.