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CITIZENS NATIONAL BANK OF ALBION

ALBION, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1940FDIC #15,760
Outstanding Up

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.46%

Institution Profile

FDIC BankFind

Address

10 W Elm St, ALBION, IL

County

Edwards County

Established

August 5, 1940

Total Assets

$353M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 14, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$353M

Total Deposits

$289M

Net Loans

$223M

Net Income

$1M

ROA

1.46%

ROE

8.61%

Risk-Based Capital

26.30%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$286M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 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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