BlastPoint's Banking Scorecard
Citizens State Bank of Milford
Designations: ✓ Community bank
Milford, IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +5.4% year over year ($52.0M on the books).
- Delinquency rate 0.76%.
- Return on assets 0.47%.
- Efficiency ratio 85.68% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.71% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank of Milford has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.51% above tier average
- + Efficiency Ratio 33.72% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.9M
+6.7% YoY
-1.7% QoQ
|
-$5.5M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$22.2M
+16.0% YoY
+0.6% QoQ
|
-$12.7M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$52.0M
+5.4% YoY
-1.9% QoQ
|
+$418K |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.47%
-16.1% YoY
+34.6% QoQ
|
-0.53% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
4.43%
-3.7% YoY
+0.1% QoQ
|
+0.51% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
85.68%
-1.3% YoY
-0.9% QoQ
|
-33.72% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.76%
+296.2% YoY
+369.5% QoQ
|
-0.72% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
42.71%
+10.0% YoY
+2.5% QoQ
|
-31.50% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.20%
-10.4% YoY
-6.5% QoQ
|
+1.71% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.30%
+330.4% YoY
+380.4% QoQ
|
-0.54% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
13.35%
-8.8% YoY
-0.9% QoQ
|
-13.77% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.10%
+0.9% YoY
+103.5% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.2%
-2.9pp YoY -1.7pp QoQ |
+0.6pp | 24.6% | 20.1% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.5%
-3.2pp YoY +0.7pp QoQ |
-1.9pp | 13.4% | 14.7% | 12.5% | 56% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
0.4%
-0.1pp YoY 0.0pp QoQ |
-34.6pp | 35.0% | 28.3% | 31.3% | 3% |
| Consumer |
3.2%
-0.8pp YoY -0.1pp QoQ |
-4.4pp | 7.7% | 5.4% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.3%
-1.3pp YoY -0.1pp QoQ |
-25.3pp | 38.7% | 19.9% | 19.7% | 12% |
| Leverage Ratio |
9.1%
0.0pp YoY +0.6pp QoQ |
-8.6pp | 17.7% | 12.2% | 12.6% | 10% |
| Total Capital Ratio |
13.7%
-1.3pp YoY -0.1pp QoQ |
-26.0pp | 39.7% | 20.9% | 20.8% | 10% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 228 | 482 | 56% |
| Assets per Employee ($) |
$4.7M
+6.7% YoY -1.7% QoQ |
-$1.4M | $6.2M | $8.3M | $8.8M | 31% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
+0.6pp YoY +0.6pp QoQ |
-0.2pp | 1.0% | 0.4% | 0.4% | 65% |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
0.74x
-77.1% YoY -77.9% QoQ |
-5.67x | 6.41x | 5.62x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
-2.3pp YoY +1.5pp QoQ |
-0.5pp | 6.4% | 10.5% | 11.6% | 37% |
| Cost of Funds (YTD) |
0.8%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.6% | 1.7% | 15% |
| Net Income ($, YTD) |
$134,000
-13.5% YoY — QoQ |
-$184K | $317,817 | $11.7M | $40.4M | 27% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.