Citizens Bank of Edinburg: how it compares with its peers
Against 30 IL banks with half to twice its assets, Citizens Bank of Edinburg's strongest measure in Q2 2026 is efficiency ratio (62.05% vs. a 79.51% peer median). Its weakest relative measure is net interest margin (3.55% vs. 3.89%).
| Measure | Citizens Bank of Edinburg | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 0.82% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.89% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.05% | 79.51% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $5.4M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.69% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 62.05% is better than the 79.51% 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
- Milford Building and Loan Association Milford, IL · $28M
- First State Bank of St. Peter Saint Peter, IL · $30M
- Dewey Bank Dewey, IL · $30M
- Vermont State Bank Vermont, IL · $31M
- Campus State Bank Campus, IL · $26M
- The First National Bank of Assumption Assumption, IL · $25M
Questions about Citizens Bank of Edinburg
How big is Citizens Bank of Edinburg?
Citizens Bank of Edinburg, established in 1971, is headquartered in Edinburg, IL. It reported $29M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens Bank of Edinburg's return on assets?
0.95% annualized in Q2 2026, against a 0.82% median for 30 IL banks with half to twice its assets, ahead of 53% of them.
What is Citizens Bank of Edinburg's efficiency ratio?
62.05% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 79.51%, and lower is better.
Is Citizens Bank of Edinburg growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits shrank 7.7%.
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.