Citizens State Bank
Lena, Illinois, Stephenson County
$453M in total assets, the 1,933rd largest of 4,309 US banks and 111th of 328 headquartered in Illinois.
- FDIC certificate
- 10474
- Established
- 1880
- Owned by
- First Lena Corp
- Primary regulator
- FDIC
- Website
- http://www.csbnow.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $453M | 74% | $286M | |
| Loans | $302M | 76% | $174M | |
| Deposits | $407M | 76% | $237M | |
| Return on assets | 1.56% | 80% | 1.12% | |
| Net interest margin | 3.91% | 65% | 3.70% | |
| Efficiency ratio | 51.0% | 14% | 64.2% | |
| Equity to assets | 9.41% | 32% | 10.44% | |
| Loans to deposits | 74% | 44% | 76% |
Growth
Total assets grew 8.3% a year over the last 5 years and 6.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2023 | First Savanna Savings Bank Savanna, IL | $9M |
Where they operate
5 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Stephenson County, IL | $262M | 16.7% | 2 of 9 |
| Jo Daviess County, IL | $133M | 15.0% | 3 of 5 |
| Carroll County, IL | $12M | 2.0% | 8 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (3 to 5, +66.7%). 2 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2022 | Opened Elizabeth and Stockton | 2 | 0 | +2 | 5 |
| 2023 | Acquired First Savanna Savings Bank | 1 | 0 | +1 | 6 |
| 2024 | Closed Stockton | 0 | 1 | −1 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 39% | 7% | |
| 1-4 family residential | 20% | 30% | |
| Farmland | 16% | 13% | |
| Business (C&I) | 10% | 12% | |
| Commercial real estate | 9% | 23% | |
| Consumer | 3% | 4% | |
| Multifamily | 2% | 6% | |
| Construction and land | 1% | 4% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 47% | |
| Time deposits | 39% | 34% | |
| Noninterest-bearing | 10% | 19% |
Brokered deposits are 0.0% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.23% | 0.50% |
| Net charge-offs, annualized | -0.02% | 0.01% |
| Reserves to loans | 0.84% | 1.14% |
| Leverage ratio | 9.58% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Stephenson County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-state-bank-lena-il