🏦Bank Scorer

CITIZENS STATE BANK

LENA, IL · Supervised by FDIC

Est. 1880FDIC #10,474RSSD: FDIC-10474
Part ofFIRST LENA CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.51%

Institution Profile

FDIC BankFind

Address

102 W Main St, LENA, IL

County

Stephenson County

Established

January 1, 1880

Total Assets

$449M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$449M

Total Deposits

$398M

Net Loans

$293M

Net Income

$2M

ROA

1.51%

ROE

15.03%

Risk-Based Capital

16.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$413M

1-Year Change

-1

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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