# CITIZENS STATE BANK
LENA, IL · FDIC certificate 10474 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $453.3M | |
| Deposits | $407.5M | |
| Loans and leases | $301.8M | |
| Total equity | $42.7M | |
| Loans / deposits | 73.46% (p32 of band) | 82.04% |
| Liquid assets / assets | 29.42% (p63 of band) | |
| Uninsured deposits / deposits | 19.74% (p28 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.28% (p28 of band) | |
| FHLB advances / assets | 0.28% | |
| Tier 1 leverage | 9.58% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -16.48% (p28 of band) | -8.10% |
| AOCI / equity | -1.35% (p15 of band) | |
| ROA (annualized) | 1.73% (p77 of band) | 1.28% |
| Net interest margin | 3.91% (p50 of band) | 3.91% |
| Efficiency ratio | 50.99% (p20 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 68.15% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 6.99% (p11 of band) | |
| Auto loans | $7.1M (2.37% of loans; DQ 0.94%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 |  | reserve under noncurrent |
| 2020-09 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2021-06 | 3 | uninsured deposits leaving |  |
| 2021-09 | 2 |  | reserve under noncurrent |
| 2021-12 | 0 |  | noncurrent p90, uninsured deposits leaving |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 2 | charge-offs p90 | capital falling, noncurrent p90 |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 2 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-22 [Charges filed in Cornell bank robbery at Citizens State Bank - WEAU](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcHpSaktuakltTU9Va2JETEVZa0tla21SQTZWT1NORUhReDNyc05mRk5adzh6bHFiMGVkNGhBZHJmZ19OX2wxM0RjYlZ5NktDaFdydUhTdGR5UldZQ1U5bXR5Vk9EZS1raDVaRWhiMWNOcmVaenpESU95SWpsMHRIY0ZNaUE5TGlfY2RickkwaDTSAaQBQVVfeXFMTkpDZktGUTBibXl0TkljcVFtcUdFcGdCaHJGZXh4TE5CYnJmYjJ4WTJRT09lUXhkSEN1djZKN0JvNHBxU201bDZmRnlyYjNPbG5IRUN5QUFZQmZsekRnQ2stdGpvSkZDSlhGblRhQlA1Y0NyX0dDX2xBNFFJYUg2Mjk1eHpmXzFUTWpCTTR2TUw1TExISllTRDZmd1VKQ2xvMXBES00?oc=5) · WEAU
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2024-10-28 [FDIC hits 3 banks within embattled Texas parent firm - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZnRidTBvbUsyaF9rVFhqWWxqUU00YkpFN1h4Z0ZIUU95SThMeE5VVy1vblNOZC1hWFdPbVRDdWFmZENyeFJrNXdfTnp3dXpkeDBjcWctcGpFLUFmODFxMHFUaDBzZHFhbHNycU5iM3pHaFlTbnVydlJxRF8yN3lvaWgzcVN4UjZlVlRjajhJV2FYZzhrODVSdEhFZ3Zab2RGbDRtTVNjMA?oc=5) · Banking Dive
- 2024-06-12 [Citizens State Bank opens Montrose branch - Montrose Daily Press](https://news.google.com/rss/articles/CBMixAFBVV95cUxOaVByTEdNMWJ4WTZJZEVSdUFQdnpucDhoRGJHSjN0aDNpWTY1dXdCTGk4R2pkVlo2dm90ektDNHdmVVlDZG9XbmxLeVRTdkh5aEhuMlpqY0hLUnVoREZSQzlzLVRxZjRJaG5ObFREUzhPMEdCNTJ3RmN5OFNDV1ljSjc5ek04aTNJVHlaODFjT3VwODNiYnJNMi1iZWJETUMtMVdYdUxwVlk0UGc4MWEwR0xHT2FDcGpWYmo2bXljdHUyRWxJ?oc=5) · Montrose Daily Press
- 2023-04-12 [Community Financial Bank to merge into and under Citizens State Bank - WEAU](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZ242VHYteGY1dGg3WlpBcVNVd2lJWlFmbUE5bHZhUFRwSXB6cVJxeHpDNXd5M0tYRUhRcC13dktnbm5xbUdoQWtIZ3NaN1NsYkk4X1ljUkk1OUxwTTVoR290MGpQSVRfSE9XVUtIdXNaaFo1bWNlR2E4MWJKMFB1dGtGMXZyZWJncGEwbWpvMUJhMS1zOVBqN2ZR0gGuAUFVX3lxTFBBWFBKdzZFLWtqbHlabkkta1hqUmZ0LWYwRTlOcHFYb0pWVExxbU1kRmhmODZic19OZFNHZ2Z3bDJXU2NPalh2MWg1WktNb2FtdGVGSnpKd3p4dG1KOVhzVjJSUmk4d0J0a1pLbU9JbmwwZmxfZC1OQVRvRTk2S2VZNGVuYVVYRndwZGRJajJpenlwSnptdG1jYkkxMVJBZzMtQWUtNmg5NVRheVZVQQ?oc=5) · WEAU
- 2018-07-11 ['Birthplace of Dixie' Plaque in New Orleans - Atlas Obscura](https://news.google.com/rss/articles/CBMib0FVX3lxTE9SZndvZmdtaUdaNUpuMlFLZXdqY3huelBHZlVTY0g0SUVuMVJvUjltNTBlQk5EZG55Wm9mUWhMVVJWcEhCMzJlRWtQUE00QTZodTYxeXVGYk1RZkMtN1N2bzRyZHhtOGdCbjJzWm04OA?oc=5) · Atlas Obscura
- 2021-12-21 [Alabama’s Avadian Credit Union buys bank in year’s 13th such deal - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeEZ3MlhHWTJJUVFxNkRhTk5HZExBbGVGZTFkYkFrdHUzOFRNVG8tYzVwNkRjZExxU0I3RkJXd19Wd2FkVDV1bEt0RmRQTnlSRDh3VEJCOWdjaFhpaUE2Zk5LVHZWMFJ2RkVjVmYwNzFyTzJNa1JvaTlsS3VsbG9uM0JZN3Q4VHZ6ek5NOV9ScFhRdGZwUEdVR2dqdm5zN1ZCVEp4bWo4SQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10474 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "10474", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide