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Citizens Community Bank
Mascoutah, IL · FDIC Certificate #33753 · Chartered 12/2
Total assets
$531.04M
Total deposits
$446.08M
Total equity
$47.05M
Net loans
$273.04M
Branches (offices)
4
Net income (YTD)
-$807.00K
Rank: #1,715 of 4,213 U.S. banks by assets · #96 of 322 in Illinois. Assets changed 6.9% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.30% |
| Return on equity | -3.33% |
| Net interest margin (YTD) | 2.48% |
| Equity to assets | 8.86% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 32.0% |
| Noncurrent loans (share of loans) | 5.81% |
| Net charge-offs (share of loans) | 0.87% |
| Loans to deposits | 61.2% |
| Real estate loans (share of loans) | 92.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $253.47M | 92.8% | |
| Commercial & industrial | $14.33M | 5.2% | |
| Consumer / individual | $2.09M | 0.8% | |
| Construction & development | $42.40M | 15.5% | |
| Agricultural | $3.95M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $459.18M | $391.56M | $2.24M | $42.27M |
| Jun 2023 | $494.01M | $388.34M | $2.12M | $44.04M |
| Jun 2024 | $502.69M | $376.32M | $1.22M | $43.40M |
| Jun 2025 | $496.99M | $417.71M | $1.78M | $46.70M |
| Jun 2026 | $531.04M | $446.08M | -$807.00K | $47.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $446.08M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $446.08M.
Similar-sized banks
The Peoples Bank ($531.10M) · First Montana Bank, Inc. ($530.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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