Headquartered in Milford, Illinois, Citizens State Bank of Milford is a state-chartered bank with $56.9M in total assets and $52.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1907.
Citizens State Bank of Milford has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 242nd. Funding & liquidity contributes the most (93/100, 43% loans-to-deposits, 22% uninsured); earnings contributes the least (39/100, 0.47%).
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 6 points (68 → 62), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 72 |
| Q1 2025 | 69 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.93% |
| Q3 2024 | 9.81% |
| Q4 2024 | 9.25% |
| Q1 2025 | 8.45% |
| Q2 2025 | 9.10% |
| Q3 2025 | 9.50% |
| Q4 2025 | 9.23% |
| Q1 2026 | 8.54% |
| Q2 2026 | 9.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.76% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $56.9M | 9.11% | 0.76% | 0.47% | 42.7% |
| Q1 2026 | 65 | $57.9M | 8.54% | 0.16% | 0.35% | 41.7% |
| Q4 2025 | 66 | $57.5M | 9.23% | 0.36% | 0.49% | 46.0% |
| Q3 2025 | 67 | $54.7M | 9.50% | 0.25% | 0.41% | 41.0% |
| Q2 2025 | 68 | $53.3M | 9.10% | 0.19% | 0.56% | 38.8% |
| Q1 2025 | 69 | $57.2M | 8.45% | 0.00% | 0.74% | 42.4% |
| Q4 2024 | 72 | $56.7M | 9.25% | 0.01% | 0.88% | 43.4% |
| Q3 2024 | 74 | $53.0M | 9.81% | 0.15% | 0.94% | 46.7% |
| Q2 2024 | 74 | $52.2M | 8.93% | 0.00% | 1.05% | 42.0% |
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 |
|---|---|---|---|---|---|
| The First National Bank of BrownstownBank Brownstown, IL | 72 out of 100, Strong | $57.4M | 11.3% | 1.22% | vs |
| First Community Bank, Xenia-FloraBank Xenia, IL | 86 out of 100, Very strong | $55.5M | 12.0% | 0.22% | vs |
| Community National Bank in MonmouthBank Monmouth, IL | 77 out of 100, Strong | $55.1M | 13.1% | 0.90% | vs |
| GN BankBank Chicago, IL | 53 out of 100, Below average | $59.8M | 16.1% | 13.11% | vs |
| Camp Grove State BankBank Camp Grove, IL | 65 out of 100, Moderate | $53.1M | 10.5% | 0.00% | vs |
| Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL | 95 out of 100, Very strong | $52.0M | 18.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens State Bank of Milford?
Yes. Citizens State Bank of Milford is an FDIC-insured institution (FDIC certificate #931). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.7% of deposits ($11.3M) 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 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.71% (benchmark: 10%).
1 location
Branches
Citizens State Bank of Milford lists 1 office in 1 city. Most locations:
- Milford, IL (1)
Identity & history
Profile
- Legal name
- Citizens State Bank of Milford
- Type
- State-chartered bank
- FDIC certificate #
- 931
- RSSD ID
- 771047
- Primary regulator
- FDIC
- Holding company
- Arthur R Murray Inc
- Established
- September 23, 1907
- Headquarters
- 36 E Jones St, Milford, IL 60953
- Website
- www.thefarmbank.com
- Employees
- 12
Quick answers
Citizens State Bank of Milford: common questions
Is Citizens State Bank of Milford FDIC insured?
Yes. Citizens State Bank of Milford is an FDIC-insured institution (FDIC certificate #931). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank of Milford's TellerScore?
62 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 of Milford ever failed?
There is no failure record for FDIC certificate #931 in the FDIC failed bank list.
How many branches does Citizens State Bank of Milford have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Milford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |
| Fowler State BankBank Fowler, IN | 80 out of 100, Strong | $190.3M | 15.5% | 0.61% | vs |
| Servbank, National AssociationBank Oswego, IL | 76 out of 100, Strong | $1.7B | 11.8% | 0.59% | vs |
| Kentland BankBank Kentland, IN | 75 out of 100, Strong | $419.4M | 12.5% | 0.56% | vs |