BlastPoint's Banking Scorecard
Citizens State Bank of Milford
Micro
Specialty: Agricultural
IL
FDIC cert 931
Designations: ✓ Community bank
Milford, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Citizens State Bank of Milford demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.57% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.5M
+1.4% YoY
+5.2% QoQ
|
-$160.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$24.2M
+5.9% YoY
+18.0% QoQ
|
-$115.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$52.7M
-0.0% YoY
+5.1% QoQ
|
-$131.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.49%
-44.3% YoY
+18.9% QoQ
|
-0.60% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
4.41%
+1.2% YoY
-1.1% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
88.18%
+11.0% YoY
-2.0% QoQ
|
+20.45% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.36%
+46.3% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
45.96%
+5.9% YoY
+12.2% QoQ
|
-28.57% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.66%
-13.0% YoY
-3.0% QoQ
|
+4.27% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.15%
+64.1% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.78%
-5.5% YoY
-8.0% QoQ
|
+3.92% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.29%
-13.2% YoY
+74.7% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.96%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.96% · Tier avg: 74.53%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.66% · Tier avg: 22.39%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.78% · Tier avg: 8.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
11
11th pctile
Total Deposits
Current: $52.7M · Tier avg: $183.7M
10
10th pctile
Efficiency Ratio
Current: 88.18% · Tier avg: 67.73%
9
9th pctile
Total Assets
Current: $57.5M · Tier avg: $217.5M
8
8th pctile
Total Loans
Current: $24.2M · Tier avg: $139.2M
Top Weaknesses
8
8th pctile
Total Loans
Current: $24.2M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $57.5M · Tier avg: $217.5M
10
10th pctile
Efficiency Ratio
Current: 88.18% · Tier avg: 67.73%
11
11th pctile
Total Deposits
Current: $52.7M · Tier avg: $183.7M
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
51
51th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.78% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.66% · Tier avg: 22.39%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.96% · Tier avg: 74.53%