Citizens National Bank of Albion

Overview / Commentary

www.cnbalbion.com

618-445-2344

10 West Elm Street
Albion, IL 62806

Citizens National Bank of Albion is headquartered in Albion and is the 130^th largest bank in the state of Illinois. It is also the 2,226^th largest bank in the nation. It was established in 1940 and as of June of 2022, it had grown to 56 employees at 5 locations. Citizens National Bank of Albion's money market rates are 5X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	15760
Year Established	1940
Employees	56
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	4.52%
Annual Interest Income	$4.8MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$354.0MM$341.0MM
Loans	Q2 2022vs Q2 2021	$195.4MM$195.3MM
Deposits	Q2 2022vs Q2 2021	$300.5MM$278.9MM
Equity Capital	Q2 2022vs Q2 2021	$51.9MM$57.5MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.9MM$2.6MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.1MM$2.6MM
Real Estate Owned	Q2 2022vs Q2 2021	$197.00K$10.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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

Citizens National Bank of Albion Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Statement Savings Accounts
0.50%	-	-	Health Savings Account
0.10%	-	-	Club Save Kids Savings Accounts
0.05%	-	-	2022 Christmas Club Accounts

Citizens National Bank of Albion Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	$500k^*	-	Money Market Accounts- Unlimited Transactions
OTHER TIERS: 0.10% → Up to $50k \| 0.25% → $50k - $100k \| 0.50% → $100k - $250k \| 1.00% → $250k - $500k

Citizens National Bank of Albion Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$2.5k^*	-	Super Now Accounts- Unlimited Transactions
OTHER TIERS: 0.20% → Up to $2.5k
0.20%	-	-	Now Accounts- Unlimited Transactions
0.20%	-	-	Business Interest Bearing- Unlimited Transactions

Citizens National Bank of Albion CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$1k	-	30 Month Certificate
3.00%	$1k	-	60 Month Certificate
2.75%	$1k	-	48 Month Certificate
2.65%	$1k	-	36 Month Certificate
2.40%	$1k	-	24 Month Certificate
2.20%	$1k	-	18 Month Certificate
2.00%	$1k	-	9 Month Certificate
2.00%	$1k	-	12 Month Certificate
2.00%	$1k	-	15 Month Certificate
1.85%	$1k	-	6 Month Certificate
1.75%	$1k	-	91 Day Certificate

Citizens National Bank of Albion IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.27%	$100	-	36 Month Fixed Rate IRA
2.02%	$100	-	18 Month Variable Rate IRA

Locations

Citizens National Bank of Albion Locations
Citizens National Bank Of Albion	10 W Elm St	Albion, IL 62806
Olney Branch	202 South Whittle Avenue	Olney, IL 62450
Crossville Branch	303 West Main Street	Crossville, IL 62827
Mt Erie Branch	101 West Main Street	Mount Erie, IL 62446
Bridgeport Branch	100 East State Street	Bridgeport, IL 62417

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