BlastPoint's Banking Scorecard
Citizens Bank of Edinburg
Micro
Specialty: Other
IL
FDIC cert 20454
Designations: ✓ Community bank
Edinburg, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Citizens Bank of Edinburg faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 43.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.6M
-3.9% YoY
-5.8% QoQ
|
-$186.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$8.4M
-7.6% YoY
-7.2% QoQ
|
-$130.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$27.1M
-5.9% YoY
-6.6% QoQ
|
-$156.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.08%
+22.6% YoY
-6.2% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.53%
+12.5% YoY
+3.0% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
57.47%
-9.3% YoY
+4.0% QoQ
|
-10.26% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? | 0.01% | -0.63% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
31.13%
-1.9% YoY
-0.7% QoQ
|
-43.39% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.91%
+9.4% YoY
-2.8% QoQ
|
-2.48% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
-6.8% YoY
+31.8% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
31.13%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
74
74th pctile
Efficiency Ratio
Current: 57.47% · Tier avg: 67.73%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.91% · Tier avg: 22.39%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
4
4th pctile
Total Deposits
Current: $27.1M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $30.6M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $8.4M · Tier avg: $139.2M
2
2th pctile
Loan-to-Deposit Ratio
Current: 31.13% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 31.13% · Tier avg: 74.53%
3
3th pctile
Total Loans
Current: $8.4M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $30.6M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $27.1M · Tier avg: $183.7M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.91% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.47% · Tier avg: 67.73%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%