Citizens State Bank of Cropsey

Headquarters

130 S. Main Street
Cropsey, IL 61731
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.71% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Citizens State Bank of Cropsey is an FDIC insured institution located in Cropsey, IL. It was founded in 1918 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 10430
Date Established 1918
Assets $ 44.26 million
Loans $ 29.67 million
Deposits $ 38.90 million
Capital $ 2.37 million
 

For a more detailed analysis of Citizens State Bank of Cropsey's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - March 5, 2021

Your Current Location: Virginia, VA 20146

 

Loan Rates - March 5, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens State Bank of Cropsey

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CityWorth Loans
NMLS ID: 925476
3.095% 3.000% 0.88 $3,055 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Citizens State Bank of Cropsey
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Citizens State Bank of Cropsey branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Citizens State Bank of Cropsey Locations


Financial Details

Citizens State Bank of Cropsey Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens State Bank of Cropsey. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens State Bank of Cropsey U.S. Bank Average
22.59% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, Citizens State Bank of Cropsey had $473,000 in non-current loans and $153,000 in owned real estate. To cover these potential losses it had $2,368,000 in equity and $403,000 in loans loss reserves. That gives it a Texas Ratio of 22.59%.

Return on Equity
Citizens State Bank of Cropsey U.S. Bank Average
-32.8% 9.23%

Citizens State Bank of Cropsey has a Return on Equity of -32.8% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens State Bank of Cropsey U.S. Bank Average
5.35% 12.07%

Citizens State Bank of Cropsey has a Capitalization of 5.35% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens State Bank of Cropsey Balance Sheet Analysis

As of November 30, -0001, Citizens State Bank of Cropsey had assets of $44,257,000, loans of $29,666,000, and deposits of $38,900,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 29.67 million
Loan loss allowance $ 0.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.15 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 38.90 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 44.26 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Citizens State Bank of Cropsey’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Citizens State Bank of Cropsey’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Citizens State Bank Of Cropsey

Branches and Savings

Is Citizens State Bank Of Cropsey FDIC insured?

Yes. It is covered under FDIC Certificate #10430.

Why does Citizens State Bank Of Cropsey pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens State Bank Of Cropsey CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens State Bank Of Cropsey a commercial bank?

Yes

Where are Citizens State Bank Of Cropsey locations?

See branch locations nearby.

Is Citizens State Bank Of Cropsey open on Saturdays?

Is Citizens State Bank Of Cropsey open on Sundays?

What time does Citizens State Bank Of Cropsey open?

What time does Citizens State Bank Of Cropsey close?

Are Citizens State Bank Of Cropsey ATMs Open 24/7?

Do Citizens State Bank Of Cropsey ATMs accept cash deposits?

Can Citizens State Bank Of Cropsey customers use other ATMs?

Do Citizens State Bank Of Cropsey branches have notaries?

Will Citizens State Bank Of Cropsey notarize my document?

What address for Citizens State Bank Of Cropsey should I put for incoming ACH transfers?

Will the Citizens State Bank Of Cropsey branch print checks?

Do Citizens State Bank Of Cropsey checks expire?

Does Citizens State Bank Of Cropsey require US citizenship to open account?

Can Citizens State Bank Of Cropsey close my account?

Does Citizens State Bank Of Cropsey Report to credit bureaus?

Does Citizens State Bank Of Cropsey Use Equifax?

What is Citizens State Bank Of Cropsey's ACH Routing Number?

What is Citizens State Bank Of Cropsey's SWIFT code?

Products

Does Citizens State Bank Of Cropsey offer mortgages?

Compare mortgage rates here.

Does Citizens State Bank Of Cropsey offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens State Bank Of Cropsey offer personal loans?

Compare personal loan rates here.

Does Citizens State Bank Of Cropsey offer student loans?

Will Citizens State Bank Of Cropsey cash a check?

Will Citizens State Bank Of Cropsey redeem a savings bond?

Does Citizens State Bank Of Cropsey cash savings bonds?

Will Citizens State Bank Of Cropsey cash money orders?

Can Citizens State Bank Of Cropsey issue a money order?

Does Citizens State Bank Of Cropsey do currency exchange?

Background on The Bank

Who owns Citizens State Bank Of Cropsey?

How long has Citizens State Bank Of Cropsey been around?

Can Citizens State Bank Of Cropsey transfer to other banks?

Does Citizens State Bank Of Cropsey have quick pay?

Does Citizens State Bank Of Cropsey accept rolled coins?

Will Citizens State Bank Of Cropsey accept loose change?

Where is Citizens State Bank Of Cropsey headquarters?

Customer Reviews for Citizens State Bank of Cropsey

There are currently no comments for Citizens State Bank of Cropsey. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →