BlastPoint's Banking Scorecard

Citizens Bank of Edinburg

under $100M Specialty: Other IL FDIC cert 20454

Designations: ✓ Community bank

Edinburg, IL

541 banks in the under $100M peer group nationally 61 in IL

Citizens Bank of Edinburg has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.12% above tier average
+ Efficiency Ratio 27.30% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.33% below tier average

Get updates when Citizens Bank of Edinburg releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$30.2M -10.4% YoY -1.2% QoQ	-$31.9M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 11.8% in tier
Total Loans ?	$8.5M -2.3% YoY +0.7% QoQ	-$25.7M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 9.6% in tier
Total Deposits ?	$26.7M -12.5% YoY -1.5% QoQ	-$25.0M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	0.96% -10.6% YoY -11.0% QoQ	+0.12%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.53% +10.3% YoY -0.1% QoQ	-0.33%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	61.04% +9.3% YoY +6.2% QoQ	-27.30%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.00% -100.0% QoQ	-1.37%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	31.84% +11.7% YoY +2.3% QoQ	-32.37%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 10.5% in tier
Non-Interest-Bearing Deposit Share ?	22.58% +4.7% YoY +13.4% QoQ	-1.13%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.79%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.15% +16.2% YoY +4.2% QoQ	-15.53%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 14.2% in tier
Non-Interest Income / Assets ?	0.05% -13.2% YoY -81.6% QoQ	-0.62%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 31.84%

Peer Median: 64.22%

#58 of 541 Top 10.5% in under $100M

Top Weaknesses (4 metrics)

490

Total Loans

size

Value: $8.51M

Peer Median: $34.25M

#490 of 541 Bottom 9.6% in under $100M

478

Total Assets

size

Value: $30.24M

Peer Median: $62.16M

#478 of 541 Bottom 11.8% in under $100M

465

Tier 1 Capital Ratio

capital

Value: 11.15%

Peer Median: 26.68%

#465 of 541 Bottom 14.2% in under $100M

450

Total Deposits

size

Value: $26.72M

Peer Median: $51.74M

#450 of 541 Bottom 17.0% in under $100M