Citizens State Bank (FDIC #10474): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #10474): bank stress 58/100, moderate, STABLE over 7 days; parent FIRST LENA CORP.
Citizens State Bank (#10474) lends in 3 counties across 1 state; Citizens State Bank (#10474) reaches 35 ZIP codes: Illinois 3 counties, 35 ZIPs.
Citizens State Bank (#10474) largest markets: Stephenson County, IL (38 branches, 19 ZIPs) (#10474), Jo Daviess County, IL (30 branches, 15 ZIPs) (#10474), Carroll County, IL (11 branches, 11 ZIPs) (#10474).
Citizens State Bank (#10474) reports $453.3 million in total assets; Citizens State Bank (#10474) equity $42.7 million (9.4% of Citizens State Bank (#10474) assets); Citizens State Bank (#10474) domestic deposits $407.5 million; Citizens State Bank (#10474) net income $4.0 million; Citizens State Bank (#10474) return on assets 1.73%; Citizens State Bank (#10474) return on equity 17.57%; Citizens State Bank (#10474) net interest income $8.3 million; Citizens State Bank (#10474) call report June 30, 2026.
Citizens State Bank (#10474) noncurrent real-estate loans: none reported; Citizens State Bank (#10474) residential -0.02%; Citizens State Bank (#10474) net charge-offs on real estate 0.34%.
Citizens State Bank (#10474) net interest margin 3.91% against an eight-quarter Citizens State Bank (#10474) average of 3.58% (Citizens State Bank (#10474) compression -0.32 points); Citizens State Bank (#10474) rate-exposure score 40/100, Citizens State Bank (#10474) fixed-rate trap 40/100; Citizens State Bank (#10474) risk type credit driven; Citizens State Bank (#10474) rate regime rates elevated, Citizens State Bank (#10474) snapshot October 20, 2026.
Citizens State Bank (#10474) stress score moved from 56.6 on June 22, 2026 to 58.1 on October 20, 2026; Citizens State Bank (#10474) ranged 56.6 to 58.1 over 117 snapshots.
Citizens State Bank (#10474) alerts: 3 counties; top Citizens State Bank (#10474) alert scores: Lena County, IL 22 (low); Savanna County, IL 22 (low); Stockton County, IL 22 (low).