Citizens First State Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	Reward Checking	eBlue 1.75% - National Average
1.25%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.20%	1-year CD	12 - 17 Month CD 1.05% - Ally Bank High Yield 12-Month CD

View all Citizens First State Bank rates »

Overview / Commentary

www.citizensfirststatebank.com

815-379-2141

105 North Main Street
Walnut, IL 61376

Citizens First State Bank is headquartered in Walnut and is the 402^nd largest bank in the state of Illinois. It is also the 5,371^st largest bank in the nation. It was established in 1920 and as of June of 2016, it had grown to 13 employees at 2 locations. Citizens First State Bank has a B health rating.

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Health

B

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens First State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	939
Year Established	1920
Employees	13
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.04%
Return on Equity - YTD	0.7%
Annual Interest Income	$849.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$53.8MM$53.7MM
Loans	Q2 2016vs Q2 2015	$24.1MM$27.8MM
Deposits	Q2 2016vs Q2 2015	$50.1MM$50.3MM
Equity Capital	Q2 2016vs Q2 2015	$3.6MM$3.2MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$520.00K$711.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$365.00K$841.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$263.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens First State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Regular Savings
0.10%	-	-	Club Account

Citizens First State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.07% → $2,500 - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k

Citizens First State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%	-	-	eBlue
0.07%	$1k	-	Interest Checking

Citizens First State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$5k	-	60 Month CD
1.10%	$5k	-	48 - 59 Month CD
1.00%	$5k	-	36 - 47 Month CD
0.75%	$5k	-	30 - 35 Month CD
0.45%	$5k	-	24 - 29 Month CD
0.35%	$5k	-	18 - 23 Month CD
0.20%	$5k	-	12 - 17 Month CD
0.17%	$5k	-	6 - 11 Month CD
0.14%	$5k	-	91 - 181 Day CD
0.10%	$25k	-	30 - 90 Day CD

Citizens First State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.95%	$5k	-	30 Month IRA CD Special

Locations

Citizens First State Bank Locations
Citizens First State Bank Of Walnut	105 North Main Street	Walnut, IL 61376
Main Street Branch	135 Main Street	Wyanet, IL 61379