Headquartered in Mascoutah, Illinois, Citizens Community Bank is a state-chartered bank with $531.0M in total assets and $446.1M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1992.
Citizens Community Bank has a TellerScore of 31 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 322nd. Funding & liquidity contributes the most (80/100, 61% loans-to-deposits, 32% uninsured); loan quality contributes the least (0/100, 5.81%).
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 fell 13 points (44 → 31), mostly because the earnings component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 64 |
| Q2 2025 | 44 |
| Q3 2025 | 44 |
| Q4 2025 | 42 |
| Q1 2026 | 39 |
| Q2 2026 | 31 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.46% |
| Q3 2024 | 10.40% |
| Q4 2024 | 10.54% |
| Q1 2025 | 10.76% |
| Q2 2025 | 10.55% |
| Q3 2025 | 10.62% |
| Q4 2025 | 10.47% |
| Q1 2026 | 10.35% |
| Q2 2026 | 9.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.74% |
| Q1 2025 | 1.11% |
| Q2 2025 | 3.86% |
| Q3 2025 | 3.72% |
| Q4 2025 | 5.56% |
| Q1 2026 | 7.31% |
| Q2 2026 | 5.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.62% |
| Q2 2026 | -0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 31 | $531.0M | 9.83% | 5.81% | -0.30% | 61.2% |
| Q1 2026 | 39 | $538.6M | 10.35% | 7.31% | 0.62% | 60.2% |
| Q4 2025 | 42 | $532.1M | 10.47% | 5.56% | 0.69% | 63.7% |
| Q3 2025 | 44 | $516.1M | 10.62% | 3.72% | 0.78% | 65.8% |
| Q2 2025 | 44 | $497.0M | 10.55% | 3.86% | 0.71% | 65.1% |
| Q1 2025 | 64 | $506.8M | 10.76% | 1.11% | 0.82% | 63.5% |
| Q4 2024 | 65 | $507.9M | 10.54% | 0.74% | 0.59% | 69.3% |
| Q3 2024 | 64 | $502.6M | 10.40% | 0.83% | 0.56% | 69.7% |
| Q2 2024 | 62 | $502.7M | 10.46% | 0.88% | 0.49% | 75.2% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| First Secure Community BankBank Sugar Grove, IL | 34 out of 100, Low | $528.8M | 9.4% | 2.85% | vs |
| Pan American Bank & TrustBank Melrose Park, IL | 59 out of 100, Moderate | $536.1M | 8.6% | 0.12% | vs |
| First Nations BankBank Chicago, IL | 82 out of 100, Strong | $536.6M | 14.1% | 0.12% | vs |
| Germantown Trust & Savings BankBank Breese, IL | 87 out of 100, Very strong | $523.6M | 11.6% | 0.13% | vs |
| Lisle Savings BankBank Lisle, IL | 80 out of 100, Strong | $544.5M | 26.1% | 0.95% | vs |
| First Robinson Savings Bank, National AssociationBank Robinson, IL | 57 out of 100, Moderate | $512.1M | 8.7% | 1.37% | vs |
Deposit insurance
Is my money safe at Citizens Community Bank?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #33753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.0% of deposits ($143.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.83%, 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%).
4 locations
Branches
Citizens Community Bank lists 3 offices in 3 cities. Most locations:
- Freeburg, IL (1)
- Mascoutah, IL (1)
- New Athens, IL (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Community Bank reported 131 home-loan applications under HMDA (LEI 254900L9ZR7FYE68H705): 104 originated ($31,540,000 total), 10 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 33753
- RSSD ID
- 2007991
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp Inc
- Established
- December 21, 1992
- Headquarters
- 9 E Main St, Mascoutah, IL 62258
- Employees
- 50
Quick answers
Citizens Community Bank: common questions
Is Citizens Community Bank FDIC insured?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #33753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Community Bank's TellerScore?
31 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Community Bank ever failed?
There is no failure record for FDIC certificate #33753 in the FDIC failed bank list.
How many branches does Citizens Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mascoutah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Germantown Trust & Savings BankBank Breese, IL | 87 out of 100, Very strong | $523.6M | 11.6% | 0.13% | vs |
| Midwest Members Credit UnionCredit union Wood River, IL | 85 out of 100, Very strong | $226.6M | 13.6% | 0.44% | vs |
| Bank of O'FallonBank O'Fallon, IL | 81 out of 100, Strong | $377.5M | 13.8% | 0.69% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |