Citizens State Bank
Lena, IL
IDRSSD: 356239
Total Assets
$497.87M
Latest filing
Total Deposits
$447.67M
Latest filing
Net Interest Margin
3.52%
Profitability
Key People
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Locations
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Main Office
Citizens State Bank
102 W Main St
Lena, IL 61048
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1880FDIC Certificate 6701
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 102 W Main St | Lena, IL |
| FRONT STREET BRANCH | 133 W Front Ave | Stockton, IL |
| 301 MAIN STREET BRANCH | 301 Main St | Savanna, IL |
| FREEPORT BRANCH | 1525 S Forest Rd | Freeport, IL |
| THE ELIZABETH STATE BANK BRANCH | 151 N Main St | Elizabeth, 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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1880 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61048 |
| State and County Number | 17177 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| 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 | Freeport, IL |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/20/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.csbnow.com |
| Data Updated | 01/30/2026 |
| CERT | 10474 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $497.87M |
| Total Deposits | $447.67M |
| Total Liabilities | $451.07M |
| Total Equity Capital | $46.80M |
| Net Income | $1.90M |
| Net Loans and Leases | $292.98M |
| Assets Per Employee ($Millions) | $9.57M |
| Bank Premises and Fixed Assets | $3.90M |
| Cash and Balances due from Depository Institutions | $55.23M |
| Deposits Held in Domestic Offices | $447.67M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 16.78% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 51.24% |
| Tier 1 Risk-Based Capital Ratio | 15.083% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.4% |
| Earning Assets to total Assets | 85.22% |
Income and Expense
| Total Interest Income | $5.62M |
| Total Noninterest Income | $755.00k |
| Total Interest Expense | $1.89M |
| Total Noninterest Expense | $2.35M |
| Net Interest Income | $3.73M |
| Pre-tax Net Operating Income | $2.00M |
| Provision for Credit Losses | $131.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $100.00k |
| Other borrowed funds | $1.31M |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.28M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.09M |
| Total Liabilities and Capital | $497.87M |
Securities
| Securities | $115.73M |
| Available-for-sale debt securities | $115.73M |
| 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 State Bank?
$497.87M as of the latest filing.
How much are Citizens State Bank's total deposits?
$447.67M in total deposits.
Where is Citizens State Bank located?
Lena, IL.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1880.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$292.98M (latest filing).
What is the total interest income (latest filing)?
$5.62M.