Citizens National Bank of Albion: how it compares with its peers
Against 141 IL banks with half to twice its assets, Citizens National Bank of Albion's strongest measure in Q2 2026 is efficiency ratio (50.20% vs. a 64.10% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.14% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.95% | 3.70% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.20% | 64.10% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.8M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.54% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 50.20% is better than the 64.10% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bank of Herrin Herrin, IL · $349M
- Buena Vista National Bank Chester, IL · $344M
- State Bank of Toulon Toulon, IL · $343M
- Farmers State Bank of Alto Pass, Ill. Alto Pass, IL · $342M
- OSB Community Bank Ottawa, IL · $356M
- State Street Bank and Trust Company Quincy, IL · $357M
Questions about Citizens National Bank of Albion
How big is Citizens National Bank of Albion?
Citizens National Bank of Albion, established in 1940, is headquartered in Albion, IL. It reported $349M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Citizens National Bank of Albion's return on assets?
1.51% annualized in Q2 2026, against a 1.14% median for 141 IL banks with half to twice its assets, ahead of 69% of them.
What is Citizens National Bank of Albion's efficiency ratio?
50.20% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is Citizens National Bank of Albion growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.