Is Citizens State Bank Safe?
Citizens State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (96/100), while profitability is its weakest area (78/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.15% | 93/100 |
| Nonperforming Loan Ratio | 0.40% | 92/100 |
| Liquidity Ratio | 28.94% | 96/100 |
| Return on Assets | 1.45% | 78/100 |
| Total Assets | $0.4B | |
How does Citizens State Bank compare?
With a Bank Health Score of 92/100, Citizens State Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Citizens State Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.15% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.40% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens State Bank's Bank Health Score fell by 1.0 points to 92/100. Tier 1 capital weakened by 0.84 percentage points to 14.15%. Quarter-over-quarter, the score fell by 1.0 points.
Citizens State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (96/100), while profitability is its weakest area (78/100).