Citizens Bank of Edinburg (FDIC certificate #20454) is based in Edinburg, Illinois. Its Q2 2026 call report shows $29.0M in total assets and $25.4M in deposits and 1 office.
Citizens Bank of Edinburg has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 76th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (58/100, 0.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the capital cushion component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.10% |
| Q3 2024 | 10.02% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.59% |
| Q2 2025 | 10.34% |
| Q3 2025 | 10.64% |
| Q4 2025 | 10.70% |
| Q1 2026 | 11.15% |
| Q2 2026 | 11.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.88% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.08% |
| Q1 2026 | 0.96% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $29.0M | 11.93% | 0.00% | 0.95% | 32.7% |
| Q1 2026 | 77 | $30.2M | 11.15% | 0.00% | 0.96% | 31.8% |
| Q4 2025 | 77 | $30.6M | 10.70% | 0.01% | 1.08% | 31.1% |
| Q3 2025 | 77 | $32.5M | 10.64% | 0.00% | 1.15% | 31.3% |
| Q2 2025 | 76 | $30.8M | 10.34% | 0.00% | 1.11% | 30.8% |
| Q1 2025 | 73 | $33.7M | 9.59% | 0.00% | 1.07% | 28.5% |
| Q4 2024 | 72 | $31.9M | 9.50% | 0.00% | 0.88% | 31.7% |
| Q3 2024 | 73 | $32.5M | 10.02% | 0.00% | 0.89% | 32.4% |
| Q2 2024 | 74 | $29.9M | 10.10% | 0.00% | 0.84% | 34.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Milford Building and Loan AssociationBank Milford, IL | 51 out of 100, Below average | $28.1M | 12.3% | 2.55% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| Dewey BankBank Dewey, IL | 79 out of 100, Strong | $30.3M | 10.6% | 0.06% | vs |
| Vermont State BankBank Vermont, IL | 73 out of 100, Strong | $31.0M | 28.2% | 5.08% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
| The First National Bank of AssumptionBank Assumption, IL | 70 out of 100, Strong | $25.2M | 11.1% | 1.24% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Edinburg?
Yes. Citizens Bank of Edinburg is an FDIC-insured institution (FDIC certificate #20454). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.5% of deposits ($8.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Citizens Bank of Edinburg lists 1 office in 1 city. Most locations:
- Edinburg, IL (1)
Identity & history
Profile
- Legal name
- Citizens Bank of Edinburg
- Type
- State-chartered bank
- FDIC certificate #
- 20454
- RSSD ID
- 915935
- Primary regulator
- FDIC
- Holding company
- Cb Edinburg Holdings Inc
- Established
- July 16, 1971
- Headquarters
- 100 E Washington St, Edinburg, IL 62531
- Website
- www.edinburgbank.net
- Employees
- 5
Quick answers
Citizens Bank of Edinburg: common questions
Is Citizens Bank of Edinburg FDIC insured?
Yes. Citizens Bank of Edinburg is an FDIC-insured institution (FDIC certificate #20454). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Edinburg's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Edinburg ever failed?
There is no failure record for FDIC certificate #20454 in the FDIC failed bank list.
How many branches does Citizens Bank of Edinburg have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Edinburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL | 94 out of 100, Very strong | $5.0M | 13.5% | 0.00% | vs |
| United Equity Credit UnionCredit union Decatur, IL | 94 out of 100, Very strong | $66.2M | 18.7% | 0.23% | vs |
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Heartland Credit UnionCredit union Springfield, IL | 89 out of 100, Very strong | $573.7M | 13.7% | 0.25% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |