Citizens National Bank of Albion is a national bank headquartered in Albion, Illinois, in business for about 86 years. At the end of Q2 2026 it reported $348.5M in total assets and $283.9M in deposits, with 5 offices.
Citizens National Bank of Albion has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 20th. Capital cushion contributes the most (100/100, 17.35%); funding & liquidity contributes the least (80/100, 79% loans-to-deposits, 17% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 85 |
| Q4 2024 | 86 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 86 |
| Q4 2025 | 86 |
| Q1 2026 | 88 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.66% |
| Q3 2024 | 16.91% |
| Q4 2024 | 16.17% |
| Q1 2025 | 16.79% |
| Q2 2025 | 16.90% |
| Q3 2025 | 17.17% |
| Q4 2025 | 16.72% |
| Q1 2026 | 17.23% |
| Q2 2026 | 17.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $348.5M | 17.35% | 0.54% | 1.51% | 78.5% |
| Q1 2026 | 88 | $353.4M | 17.23% | 0.58% | 1.46% | 77.1% |
| Q4 2025 | 86 | $345.7M | 16.72% | 0.51% | 1.25% | 80.7% |
| Q3 2025 | 86 | $350.8M | 17.17% | 0.54% | 1.27% | 78.4% |
| Q2 2025 | 87 | $346.9M | 16.90% | 0.49% | 1.23% | 77.9% |
| Q1 2025 | 87 | $346.9M | 16.79% | 0.44% | 1.20% | 77.6% |
| Q4 2024 | 86 | $346.4M | 16.17% | 0.34% | 0.97% | 80.6% |
| Q3 2024 | 85 | $348.4M | 16.91% | 0.40% | 0.97% | 81.1% |
| Q2 2024 | 86 | $339.5M | 16.66% | 0.30% | 0.95% | 82.5% |
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 |
|---|---|---|---|---|---|
| The Bank of HerrinBank Herrin, IL | 65 out of 100, Moderate | $349.2M | 8.8% | 0.83% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
| State Bank of ToulonBank Toulon, IL | 77 out of 100, Strong | $343.4M | 10.5% | 0.13% | vs |
| Farmers State Bank of Alto Pass, Ill.Bank Alto Pass, IL | 53 out of 100, Below average | $342.4M | 9.5% | 2.52% | vs |
| OSB Community BankBank Ottawa, IL | 69 out of 100, Moderate | $355.6M | 11.6% | 0.36% | vs |
| State Street Bank and Trust CompanyBank Quincy, IL | 77 out of 100, Strong | $357.1M | 10.0% | 0.39% | vs |
Deposit insurance
Is my money safe at Citizens National Bank of Albion?
Yes. Citizens National Bank of Albion is an FDIC-insured institution (FDIC certificate #15760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.8% of deposits ($47.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.70% (benchmark: 10%).
5 locations
Branches
Citizens National Bank of Albion lists 5 offices in 5 cities. Most locations:
- Albion, IL (1)
- Bridgeport, IL (1)
- Crossville, IL (1)
- Mount Erie, IL (1)
- Olney, IL (1)
Identity & history
Profile
- Legal name
- Citizens National Bank of Albion
- Type
- National bank
- FDIC certificate #
- 15760
- RSSD ID
- 853747
- Primary regulator
- OCC
- Holding company
- Citizens Bancshares Inc
- Established
- August 5, 1940
- Headquarters
- 10 W Elm St, Albion, IL 62806
- Website
- www.cnbalbion.bank
- Employees
- 49
Quick answers
Citizens National Bank of Albion: common questions
Is Citizens National Bank of Albion FDIC insured?
Yes. Citizens National Bank of Albion is an FDIC-insured institution (FDIC certificate #15760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens National Bank of Albion's TellerScore?
88 out of 100 (Very 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 National Bank of Albion ever failed?
There is no failure record for FDIC certificate #15760 in the FDIC failed bank list.
How many branches does Citizens National Bank of Albion have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Albion
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| The First National Bank of AllendaleBank Allendale, IL | 69 out of 100, Moderate | $421.2M | 9.8% | 0.17% | vs |
| The Clay City Banking Co.Bank Clay City, IL | 68 out of 100, Moderate | $253.3M | 10.2% | 1.09% | vs |
| TrustBankBank Olney, IL | 68 out of 100, Moderate | $640.2M | 9.8% | 0.73% | vs |
| Alero Financial Credit UnionCredit union Elgin, IL | 66 out of 100, Moderate | $953.5M | 11.9% | 0.79% | vs |