BlastPoint's Banking Scorecard

Citizens State Bank of Milford

under $100M Specialty: Agricultural IL FDIC cert 931

Designations: ✓ Community bank

Milford, IL

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

Citizens State Bank of Milford has 3 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

+ Net Interest Margin 0.56% above tier average
+ Efficiency Ratio 1.88% below tier average
+ Delinquency Rate 1.21% below tier average

Key Concerns

Areas that may need attention

- ROA 0.49% below tier average

Get updates when Citizens State Bank of Milford releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$57.9M +1.2% YoY +0.7% QoQ	-$4.3M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$22.1M -1.9% YoY -8.7% QoQ	-$12.1M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$53.1M -0.3% YoY +0.7% QoQ	+$1.3M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	0.35% -53.4% YoY -29.1% QoQ	-0.49%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	4.42% -6.3% YoY +0.3% QoQ	+0.56%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	86.46% +4.3% YoY -1.9% QoQ	-1.88%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	0.16% -55.2% QoQ	-1.21%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	41.66% -1.6% YoY -9.4% QoQ	-22.56%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	26.94% -11.7% YoY +1.0% QoQ	+3.23%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.06% -59.4% QoQ	-0.73%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	13.47% -1.3% YoY +5.5% QoQ	-13.21%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.05% -4.6% YoY -83.5% QoQ	-0.62%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	41%

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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 (1 metrics)

113

Loan-to-Deposit Ratio

liquidity

Value: 41.66%

Peer Median: 64.22%

#113 of 541 Top 20.7% in under $100M

Top Weaknesses (2 metrics)

410

Return on Assets

profitability

Value: 0.35%

Peer Median: 0.84%

#410 of 541 Bottom 24.4% in under $100M

407

Efficiency Ratio

profitability

Value: 86.46%

Peer Median: 88.34%

#407 of 541 Bottom 25.0% in under $100M