# CITIZENS COMMUNITY BANK
MASCOUTAH, IL · FDIC certificate 33753 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 7 (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 | $531.0M | |
| Deposits | $446.1M | |
| Loans and leases | $281.0M | |
| Total equity | $47.1M | |
| Loans / deposits | 61.21% (p14 of band) | 82.04% |
| Liquid assets / assets | 44.66% (p88 of band) | |
| Uninsured deposits / deposits | 32.05% (p72 of band) | 25.97% |
| Brokered deposits | 1.88% | |
| Wholesale funding | 8.09% (p71 of band) | |
| FHLB advances / assets | 2.82% | |
| Tier 1 leverage | 9.83% (p30 of band) | 10.81% |
| Unrealized securities loss / equity | -35.72% (p9 of band) | -8.10% |
| AOCI / equity | -0.82% (p29 of band) | |
| ROA (annualized) | -0.30% (p2 of band) | 1.28% |
| Net interest margin | 2.48% (p3 of band) | 3.91% |
| Efficiency ratio | 69.95% (p73 of band) | |
| Noncurrent loans | 5.81% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 0.46% (p96 of band) | |
| Reserve coverage of noncurrent | 48.95% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 90.10% (p82 of band) | |
| Auto loans | $417,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 2 | noncurrent p90 |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | capital falling, NIM <2.5%, charge-offs p90 |  |
| 2022-03 | 2 | securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | capital falling, charge-offs p90, construction >100% equity |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, capital falling, charge-offs p90 |
| 2023-06 | 3 | NIM <2.5% |  |
| 2023-09 | 7 | wholesale funding >15%, charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 8 | capital falling |  |
| 2024-03 | 6 |  | charge-offs p90, capital falling |
| 2024-06 | 5 |  | deposits shrinking |
| 2024-09 | 3 |  | wholesale funding >15%, uninsured deposits leaving |
| 2024-12 | 4 | wholesale funding >15% |  |
| 2025-03 | 2 |  | NIM <2.5%, wholesale funding >15% |
| 2025-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 3 |  | construction >100% equity |
| 2025-12 | 4 | construction >100% equity |  |
| 2026-03 | 7 | capital falling, NIM <2.5%, charge-offs p90 |  |
| 2026-06 | 7 | losing money | construction >100% equity |

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

- 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
- 2024-06-28 [CU Team Wins 2024 CSBS Community Bank Competition - Commonwealth University of Pennsylvania](https://news.google.com/rss/articles/CBMijAFBVV95cUxPNlQySXBmS2dVX1dWdm00YjY5bjRCRGJwUjVBdFJaNXhRcWstRG5VZUNmWGQxampOQ0p5LVRTNFVsU1dzM0tza3VjTjVIUE0xYVJQYjUtN3Z5N18yR2RQUGhjNFgwMWZWdnVvUG1Oa201LWczM1FfTklxU2FYSThOYVIyNFNSTUVMUnYzeg?oc=5) · Commonwealth University of Pennsylvania
- 2026-07-02 [Ralph G. Biebel Obituary Jul 2, 2026 - Moll Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFA4NnluQXhfcGJrOFpScDJvUGV1bUFVajYzQVVheXRJY3FjQlRscFR6a1F5R1EyeF9MQ08wSnRnYlgzQjB4TnByd1dFOEVtY1JPT2xtRjVXVzFwSlNaR2RqY0NZRC1LUQ?oc=5) · Moll Funeral Home
- 2025-05-18 [Daniel L. Spickard Obituary May 18, 2025 - Quernheim Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE42dWs5dnA4SUduMkpfdG1RYkU2emlJaXhHYi1LSEJmbmk5Z3lndGtNZlFCRVdHQkJhc2gwQXFMYnBGV3hmS3JSSi1nZFBOOUpuOUNfd0x5WlZ0TEVUSTdmYklid0xFYzFrT3FPdlFCeEs?oc=5) · Quernheim Funeral Home
- 2026-04-30 [Bob “Chick” Fritz - Herald Publications](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1RVGhkRjNPVEFKV1M0d0ZDTlpOSGxrVzMzaGxOckgwamFZVWpXYTdTam5yNGZ6YUhoUHcyVUpfM2JscmpEX1REWlptS0lVY2dibHRrd3JDVEgtdXpMUFVaaDVnbjQ?oc=5) · Herald Publications
- 2026-05-12 [Bob Fritz Obituary (1939 - 2026) - Belleville, IL - Belleville News-Democrat - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQOVJLN1F5dHJHV0hpdFA4YWNWdzBCUTFQOHpyQXdkc2hHTmg2dlBEQjNRVVM0c2trVzBkQ3V2NHVrRUZwb2VYbUxXZjJzc29keHcwcUFmRk5uWnRyX3ZCN0NaNnJzcEhCRFVBcWVaNzRUSWw3YWhlTHBJZDZzQ29Sems1WktJb1IwelM4?oc=5) · legacy.com
- 2024-01-25 [Alexander A. Spencer Obituary Jan 25, 2024 - Moll Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBudDF2eDNjZlVpYUwxRjFTeDBCUlVOTHpKYUtGV3JoMlNhaDAzdmNiRHloS2hHUW9saXVfZnYtVzM3SEJaanJxb0k3MndabUl6RHNBVmRJSC1WSU9xNGdfVFhkNVE0UUVXY3c0Qg?oc=5) · Moll Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33753 (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/25.json (key "33753", 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