Citizens State Bank of Milford
Milford, IL
IDRSSD: 771047
Total Assets
$54.69M
Latest filing
Total Deposits
$50.11M
Latest filing
Net Interest Margin
4.25%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank of Milford
36 E Jones St
Milford, IL 60953
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/23/1907FDIC Certificate 604
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens State Bank of Milford (Main) | 36 E Jones St | Milford, IL | ||
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
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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 | 09/23/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60953 |
| State and County Number | 17075 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited 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 | N/A |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 1 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.thefarmbank.com |
| Data Updated | 11/14/2025 |
| CERT | 931 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $54.69M |
| Total Deposits | $50.11M |
| Total Liabilities | $50.41M |
| Total Equity Capital | $4.27M |
| Net Income | $16.00k |
| Net Loans and Leases | $20.52M |
| Assets Per Employee ($Millions) | $4.21M |
| Bank Premises and Fixed Assets | $5.13M |
| Cash and Balances due from Depository Institutions | $6.98M |
| Deposits Held in Domestic Offices | $50.11M |
Key Performance Ratios
| Return on Assets (ROA) | 0.12% |
| Return on Equity (ROE) | 1.61% |
| Net Interest Margin | 4.25% |
| Efficiency Ratio | 97% |
| Tier 1 Risk-Based Capital Ratio | 13.884% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.812% |
| Earning Assets to total Assets | 85.67% |
Income and Expense
| Total Interest Income | $578.00k |
| Total Noninterest Income | $40.00k |
| Total Interest Expense | $84.00k |
| Total Noninterest Expense | $518.00k |
| Net Interest Income | $494.00k |
| Pre-tax Net Operating Income | $16.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $307.00k |
| Total Liabilities and Capital | $54.69M |
Securities
| Securities | $20.21M |
| Available-for-sale debt securities | $20.21M |
| 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 State Bank of Milford?
$54.69M as of the latest filing.
How much are Citizens State Bank of Milford's total deposits?
$50.11M in total deposits.
Where is Citizens State Bank of Milford located?
Milford, IL.
What is the Net Interest Margin?
4.25%.
How many domestic offices does it operate?
1.
When was it established?
09/23/1907.
What is the Return on Assets (ROA)?
0.12%.
How much are total loans and leases?
$20.52M (latest filing).
What is the total interest income (latest filing)?
$578.00k.