Visbanking Logo

Citizens National Bank of Albion

Albion, IL
IDRSSD: 853747
Total Assets
$350.76M
Latest filing
Total Deposits
$287.15M
Latest filing
Net Interest Margin
3.66%
Profitability
0

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

OSB Community Bank
Ottawa, Illinois
→
Assets: $346.76MΔ -0.0%
The Fisher National Bank
Fisher, Illinois
→
Assets: $347.52MΔ +0.2%
Peoples Bank of Kankakee County
Bourbonnais, Illinois
→
Assets: $348.16MΔ +0.4%
Farmers State Bank of Alto Pass, Ill.
Alto Pass, Illinois
→
Assets: $349.94MΔ +0.9%
The Bank of Herrin
Herrin, Illinois
→
Assets: $342.97MΔ -1.1%
Municipal Trust and Savings Bank
Bourbonnais, Illinois
→
Assets: $354.25MΔ +2.1%

Institution Profile

Institution ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date08/05/1940
Community BankYes
Ownership TypeNot Mutual
ZIP62806
State and County Number17047
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number08
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees50
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/05/1940
Primary Insurance AgencyDIF
Websitewww.cnbalbion.bank
Data Updated11/14/2025
CERT15760
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$350.76M
Total Deposits$287.15M
Total Liabilities$291.27M
Total Equity Capital$59.49M
Net Income$1.18M
Net Loans and Leases$225.25M
Assets Per Employee ($Millions)$7.02M
Bank Premises and Fixed Assets$3.29M
Cash and Balances due from Depository Institutions$14.14M
Deposits Held in Domestic Offices$287.15M

Key Performance Ratios

Return on Assets (ROA)1.35%
Return on Equity (ROE)8.09%
Net Interest Margin3.66%
Efficiency Ratio52.94%
Tier 1 Risk-Based Capital Ratio24.912%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.05%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets16.96%
Earning Assets to total Assets93.49%

Income and Expense

Total Interest Income$4.26M
Total Noninterest Income$398.00k
Total Interest Expense$1.28M
Total Noninterest Expense$1.79M
Net Interest Income$2.98M
Pre-tax Net Operating Income$1.54M
Provision for Credit Losses$45.00k
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$3.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$103.00k
All Other Liabilities$1.02M
Total Liabilities and Capital$350.76M

Securities

Securities$93.99M
Available-for-sale debt securities$93.99M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Citizens National Bank of Albion?
$350.76M as of the latest filing.
How much are Citizens National Bank of Albion's total deposits?
$287.15M in total deposits.
Where is Citizens National Bank of Albion located?
Albion, IL.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
5.
When was it established?
08/05/1940.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$225.25M (latest filing).
What is the total interest income (latest filing)?
$4.26M.