Citizens National Bank of Albion
Albion, IL
IDRSSD: 853747
Total Assets
$345.71M
Latest filing
Total Deposits
$282.95M
Latest filing
Net Interest Margin
3.79%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081221549ALBION, IL
Key People
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Locations
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Main Office
Citizens National Bank of Albion
10 W Elm St
Albion, IL 62806
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/05/1940FDIC Certificate 10008
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens National Bank of Albion (Main) | 10 W Elm St | Albion, IL |
| OLNEY BRANCH | 1110 S West St | Olney, IL |
| CROSSVILLE BRANCH | 303 W Main St | Crossville, IL |
| BRIDGEPORT BRANCH | 100 E State St | Bridgeport, IL |
| MT ERIE BRANCH | 101 West Main Street | Mount Erie, IL |
Showing 4 of 4
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/05/1940 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62806 |
| State and County Number | 17047 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 5 |
| 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 | 08/05/1940 |
| Primary Insurance Agency | DIF |
| Website | www.cnbalbion.bank |
| Data Updated | 01/30/2026 |
| CERT | 15760 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $345.71M |
| Total Deposits | $282.95M |
| Total Liabilities | $287.09M |
| Total Equity Capital | $58.62M |
| Net Income | $1.03M |
| Net Loans and Leases | $228.33M |
| Assets Per Employee ($Millions) | $7.06M |
| Bank Premises and Fixed Assets | $3.68M |
| Cash and Balances due from Depository Institutions | $8.09M |
| Deposits Held in Domestic Offices | $282.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 6.98% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 60.18% |
| Tier 1 Risk-Based Capital Ratio | 24.631% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.957% |
| Earning Assets to total Assets | 93.16% |
Income and Expense
| Total Interest Income | $4.35M |
| Total Noninterest Income | $375.00k |
| Total Interest Expense | $1.27M |
| Total Noninterest Expense | $2.08M |
| Net Interest Income | $3.08M |
| Pre-tax Net Operating Income | $1.33M |
| Provision for Credit Losses | $45.00k |
| 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 | $3.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $195.00k |
| All Other Liabilities | $943.00k |
| Total Liabilities and Capital | $345.71M |
Securities
| Securities | $91.88M |
| Available-for-sale debt securities | $91.88M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$345.71M as of the latest filing.
How much are Citizens National Bank of Albion's total deposits?
$282.95M in total deposits.
Where is Citizens National Bank of Albion located?
Albion, IL.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
5.
When was it established?
08/05/1940.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$228.33M (latest filing).
What is the total interest income (latest filing)?
$4.35M.