FDIC Cert #931 · Milford, Illinois · Est. 1907

Citizens State Bank of Milford - FDIC Bank Health Profile

A community-scale look at Citizens State Bank of Milford's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$58M
Total assets
C
Health grade · Fair
0.49%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Citizens State Bank of Milford earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.78% Tier 1, 0.49% ROA, 88% efficiency ratio.

#4,073
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
12.78%
Tier 1 ratio - above the 10% well-capitalized line
15th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 931 · IL C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3731/4307
  • PHOTO-FINISH FBT Bank & Mortgage · AR
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-THIN 0.49% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: FBT Bank & Mortgage, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens State Bank of Milford

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens State Bank… · IL · …62/100Community Bank · SD · near62/100FBT Bank & Mortgage · AR · n…62/100Peoples Bank · KY · near62/100Wellington State Bank · TX ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens State Bank of Milford · July 2026

Call Report read for Citizens State Bank of Milford in a high-failure state

Citizens State Bank of Milford (FDIC Cert #931) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,731 of 4,307. Tier 1 capital prints at 12.78%, clearing the 10% well-capitalized line. The Texas Ratio is 1.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.49%. Balance-sheet scale is $58M, 4,073rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FBT Bank & Mortgage (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens State Bank of Milford

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Citizens State Bank of Milford sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Citizens State Bank of Milford's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Citizens State Bank of Milford's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Citizens State Bank of Milford's composite health score
Tier 1 Capital Ratio (12.78%) 35/40
Return on Assets (ROA) (0.49%) 7/25
Texas Ratio (1.88%) 20/20
Efficiency Ratio (88.18%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$58M

Total balance-sheet footings

Total Deposits

$53M

Customer-funded liabilities

Net Loans

$24M

Outstanding loan book

Net Income

$273K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.38% 12.78% 14.18%
Basel III capital ratios - Citizens State Bank of Milford

Where Citizens State Bank of Milford ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank of Milford's score of 62/100 falls in the highlighted band.

Citizens State Bank of Milford: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens State Bank of Milford 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens State Bank of Milford's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens State Bank of Milford's $58M falls in the highlighted band.

Capital & credit buffers at Citizens State Bank of Milford

Tier 1 capital ratio
Well-capitalized 10%

12.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.78%
Texas Ratio
1.88%
Equity Capital
$5M

What these ratios mean →

Profitability metrics: Citizens State Bank of Milford

Return on Assets (ROA)
15th percentile nationally
0.49%
Return on Equity (ROE)
6.75%
Efficiency Ratio
88.18%

What these mean →

Income & expense at Citizens State Bank of Milford

$2M
Interest Income
$169K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens State Bank of Milford reports a Texas Ratio of 1.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens State Bank of Milford on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($58M here), outside Illinois so the neighborhood is not state containment.

Blue Grass Federal Savings and Loan A… $57M · KY Farmers and Merchants Bank of Mound C… $58M · KS State Bank of Scotia $58M · NE Montrose Savings Bank $57M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank of Milford (FDIC Cert #931) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens State Bank of Milford Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%