CITIZENS STATE BANK
LENA, ILLINOIS · FDIC Cert #10474
Capital & Safety Analysis
According to FDIC financial data, CITIZENS STATE BANK holds a Tier 1 capital ratio of 14.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS STATE BANK shows strong financial health indicators. With $410M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS STATE BANK has a Bank Health Score of A (92/100). It holds a Tier 1 capital ratio of 14.15%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS STATE BANK holds $410M in total assets and $368M in total deposits. It is located in LENA, ILLINOIS (FDIC Certificate #10474).
CITIZENS STATE BANK has a Tier 1 capital ratio of 14.15%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.40%, and the return on assets is 1.45%.
Yes. CITIZENS STATE BANK is FDIC-insured (Certificate #10474). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.