# CITIZENS BANK OF EDINBURG
EDINBURG, IL · FDIC certificate 20454 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $29.0M | |
| Deposits | $25.4M | |
| Loans and leases | $8.5M | |
| Total equity | $3.3M | |
| Loans / deposits | 32.69% (p8 of band) | 73.59% |
| Liquid assets / assets | 67.30% (p93 of band) | |
| Uninsured deposits / deposits | 32.52% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.93% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -12.58% (p34 of band) | -6.57% |
| AOCI / equity | -0.88% (p31 of band) | |
| ROA (annualized) | 0.95% (p37 of band) | 1.17% |
| Net interest margin | 3.55% (p31 of band) | 3.93% |
| Efficiency ratio | 62.05% (p40 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 8.39% (p36 of band) | |
| Auto loans | $64,000 (0.76% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.7% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, securities losses >30% of equity |
| 2024-03 | 2 | deposits shrinking, assets shrinking |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | deposits shrinking |  |
| 2026-03 | 2 | assets shrinking |  |
| 2026-06 | 2 |  |  |

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

- 2013-06-06 [Obituary information for Robert Wilson Ashbaugh - Staab Funeral Homes](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPYmJIRlVLcDdXa0I0ODBibEkwLXdXSTRKT2ZUd2lxMHg4Q0I5Tm9nQ2VzMkhrZmVGYmUtSXl6bWhlbWNBTm1xMXhnRGZMTEtsR21oSUp5ZWw0d1gxRTluRUpBdVViNE5mWGdsVm9kTkM3MVNiZlRzRkZYTWhldVFieWlPXzFsMGth?oc=5) · Staab Funeral Homes
- 2023-09-18 [Michael Cowell Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbVNSUTRYbHJLRWNqcXB6QU53cFJIN0dIOHVETmlSWllWYTRWVmtVTDU0RHpUWlJGYmc4elNCbWVyRElQOTEwejRoZUxwS0cyc3dWZGU4MTNCeTFnSWdqNWFQamNKUEJpYlM4OEZRTU5wOUlvUEZDLTV0Y2NvdWNINEV5SmR1Tm9x?oc=5) · Dignity Memorial
- 2007-11-09 [Kristopher Getz Obituary (2007) - Springfield, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQek40eW8zSmZSM2RCOHZ5YXJCR0E0LW1WLUdaMFFocWIzMDF5ZTc3cHBCRFVXci1XRUNSa3hsX21TUkpLNlJMMExMckdlWktsRUtvb2ZUMFlaeUlVWXR6RVNGZk4xQW1weGsycHhsQ21Va1ZLZzRkY1I2UjF4cDItcWZhQldVWDNsQ1Fr?oc=5) · legacy.com
- 2007-09-01 [Obituary information for Walter A. Wally Homeier - Staab Funeral Homes](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQS2p6WGEyUVlhQzVTWENIdlRrVlRiSzZqeDJSMWVMbUUxMFBWZERTRGlLVXB6S2xDX1BCX25veWhSbDg4ZnZYTE8wS1NsUm9JSUk0ZWh5Y24xX3ZjODdTcnlMSUFWd3Rkc3c3QW03bFRsQUpYX3o0YkMxLXZVR3NMcDBqOGdnNW9k?oc=5) · Staab Funeral Homes
- 2013-06-06 [Robert Ashbaugh Obituary (2013) - Springfield, IL - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUDZZaUcwNnh2TXNYanV1ZEdVcXVBUVJ5cnAzZ1pCbWFzdFJ1emRnSFY4cEtZUnFJSTFBMzg2anRFRy1LaWZlRGlkZnAxdllVeTBVWTlYNmJHS2tuTWpob0dfd3FBSjZXRGdYUWIxRWVSRVNkZXJVOTR2ME50RTN1TDdGU3RuNGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20454 (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/38.json (key "20454", 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