Citizens State Bank of Milford: how it compares with its peers
Against 59 IL banks with half to twice its assets, Citizens State Bank of Milford's strongest measure in Q2 2026 is net interest margin (4.43% vs. a 3.74% peer median). Its weakest relative measure is efficiency ratio (85.68% vs. 70.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.47% | 0.95% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.74% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.68% | 70.23% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $6.0M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 42.71% | 57.71% | Context |
What it means for lending operations
Its efficiency ratio of 85.68% is above the 70.23% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Brownstown Brownstown, IL · $57M
- First Community Bank, Xenia-Flora Xenia, IL · $56M
- Community National Bank in Monmouth Monmouth, IL · $55M
- GN Bank Chicago, IL · $60M
- Camp Grove State Bank Camp Grove, IL · $53M
- Farmers & Merchants Bank of Hutsonville Hutsonville, IL · $52M
Questions about Citizens State Bank of Milford
How big is Citizens State Bank of Milford?
Citizens State Bank of Milford, established in 1907, is headquartered in Milford, IL. It reported $57M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens State Bank of Milford's return on assets?
0.47% annualized in Q2 2026, against a 0.95% median for 59 IL banks with half to twice its assets, ahead of 24% of them.
What is Citizens State Bank of Milford's efficiency ratio?
85.68% in Q2 2026: it spent about 86 cents in noninterest expense for each dollar of revenue. The peer median is 70.23%, and lower is better.
Is Citizens State Bank of Milford growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 5.4%.
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.