Citizens State Bank (FDIC certificate #10474) is based in Lena, Illinois. Its Q2 2026 call report shows $453.3M in total assets and $407.5M in deposits and 5 offices.
Based on its Q2 2026 filing, Citizens State Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 202nd. Its strongest component is earnings (89/100; 1.73%), and its lowest is capital cushion (46/100; 9.58%).
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 4 points (71 → 67), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 77 |
| Q2 2025 | 71 |
| Q3 2025 | 58 |
| Q4 2025 | 63 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.80% |
| Q3 2024 | 9.90% |
| Q4 2024 | 10.07% |
| Q1 2025 | 10.61% |
| Q2 2025 | 10.34% |
| Q3 2025 | 10.23% |
| Q4 2025 | 10.48% |
| Q1 2026 | 10.84% |
| Q2 2026 | 9.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.89% |
| Q3 2025 | 2.13% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.49% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.42% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $453.3M | 9.58% | 1.23% | 1.73% | 73.5% |
| Q1 2026 | 66 | $449.2M | 10.84% | 1.57% | 1.51% | 73.6% |
| Q4 2025 | 63 | $497.9M | 10.48% | 1.67% | 1.46% | 65.4% |
| Q3 2025 | 58 | $447.7M | 10.23% | 2.13% | 1.42% | 70.1% |
| Q2 2025 | 71 | $456.5M | 10.34% | 0.89% | 1.56% | 68.1% |
| Q1 2025 | 77 | $422.9M | 10.61% | 0.27% | 1.49% | 73.8% |
| Q4 2024 | 73 | $414.5M | 10.07% | 0.42% | 1.36% | 75.4% |
| Q3 2024 | 72 | $434.4M | 9.90% | 0.52% | 1.37% | 68.5% |
| Q2 2024 | 73 | $410.1M | 9.80% | 0.40% | 1.34% | 73.5% |
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 |
|---|---|---|---|---|---|
| Better BanksBank Peoria, IL | 59 out of 100, Moderate | $445.8M | 9.4% | 1.55% | vs |
| The City National Bank of MetropolisBank Metropolis, IL | 67 out of 100, Moderate | $444.4M | 13.8% | 1.68% | vs |
| Grand Ridge National BankBank Wheaton, IL | 79 out of 100, Strong | $443.3M | 13.8% | 0.76% | vs |
| Community State BankBank Galva, IL | 62 out of 100, Moderate | $441.9M | 9.4% | 1.38% | vs |
| First National Bank in OlneyBank Olney, IL | 64 out of 100, Moderate | $469.3M | 10.8% | 1.60% | vs |
| Eureka Savings BankBank La Salle, IL | 61 out of 100, Moderate | $435.8M | 21.6% | 3.05% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #10474). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($80.4M) 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 9.58%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.82% (benchmark: 10%).
5 locations
Branches
Citizens State Bank lists 5 offices in 5 cities. Most locations:
- Elizabeth, IL (1)
- Freeport, IL (1)
- Lena, IL (1)
- Savanna, IL (1)
- Stockton, IL (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Former names
- Citizens State Bank of Lena
- Type
- State-chartered bank
- FDIC certificate #
- 10474
- RSSD ID
- 356239
- Primary regulator
- FDIC
- Holding company
- First Lena Corp
- Established
- January 1, 1880
- Headquarters
- 102 W Main St, Lena, IL 61048
- Website
- www.csbnow.com
- Employees
- 47
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #10474). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens State Bank ever failed?
There is no failure record for FDIC certificate #10474 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |
| Community BankBank Winslow, IL | 75 out of 100, Strong | $310.8M | 16.0% | 1.50% | vs |
| Apple River State BankBank Apple River, IL | 74 out of 100, Strong | $675.2M | 9.7% | 0.24% | vs |
| The State Bank of Pearl CityBank Pearl City, IL | 71 out of 100, Strong | $73.4M | 11.3% | 0.69% | vs |