Citizens Nb Of Albion (FDIC #15760): Bank Stress & Real-Estate Credit Exposure
Citizens Nb Of Albion (FDIC Cert #15760): bank stress 34/100, contained, STABLE over 7 days; parent CITIZENS BANCSHARES INC.
Citizens Nb Of Albion (#15760) lends in 5 counties across 1 state; Citizens Nb Of Albion (#15760) reaches 44 ZIP codes: Illinois 5 counties, 44 ZIPs.
Citizens Nb Of Albion (#15760) largest markets: Wayne County, IL (20 branches, 20 ZIPs) (#15760), White County, IL (11 branches, 11 ZIPs) (#15760), Richland County, IL (9 branches, 9 ZIPs) (#15760), Lawrence County, IL (7 branches, 7 ZIPs) (#15760), Edwards County, IL (6 branches, 6 ZIPs) (#15760).
Citizens Nb Of Albion (#15760) reports $348.5 million in total assets; Citizens Nb Of Albion (#15760) equity $60.4 million (17.3% of Citizens Nb Of Albion (#15760) assets); Citizens Nb Of Albion (#15760) domestic deposits $283.9 million; Citizens Nb Of Albion (#15760) net income $2.6 million; Citizens Nb Of Albion (#15760) return on assets 1.51%; Citizens Nb Of Albion (#15760) return on equity 8.84%; Citizens Nb Of Albion (#15760) net interest income $6.4 million; Citizens Nb Of Albion (#15760) call report June 30, 2026.
Citizens Nb Of Albion (#15760) noncurrent real-estate loans: none reported; Citizens Nb Of Albion (#15760) net charge-offs on real estate 0.64%; Citizens Nb Of Albion (#15760) residential charge-offs 0.76%.
Citizens Nb Of Albion (#15760) net interest margin 3.95% against an eight-quarter Citizens Nb Of Albion (#15760) average of 3.50% (Citizens Nb Of Albion (#15760) compression -0.44 points); Citizens Nb Of Albion (#15760) non-residential real estate 76.0% of equity; Citizens Nb Of Albion (#15760) rate-exposure score 40/100, Citizens Nb Of Albion (#15760) fixed-rate trap 40/100; Citizens Nb Of Albion (#15760) risk type rate trapped; Citizens Nb Of Albion (#15760) rate regime rates elevated, Citizens Nb Of Albion (#15760) snapshot October 19, 2026.
Citizens Nb Of Albion (#15760) stress score moved from 35.2 on June 22, 2026 to 34.4 on October 19, 2026; Citizens Nb Of Albion (#15760) ranged 34.4 to 35.2 over 116 snapshots.
Citizens Nb Of Albion (#15760) alerts: 5 counties; top Citizens Nb Of Albion (#15760) alert scores: Albion County, IL 17 (low); Bridgeport County, IL 17 (low); Crossville County, IL 17 (low); Mount Erie County, IL 17 (low); Olney County, IL 17 (low).