Bank · FDIC insured
Citizens Community Bank
A $531M bank headquartered in Mascoutah, IL, with 3 branches in Illinois. Best rates: CDs 4.06% and savings 0.15% APY.
Citizens Community Bank Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#58 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Community Bank
Citizens Community Bank is a locally owned bank operating since 1992.
The bank operates three locations across Freeburg, Mascoutah, and New Athens, Illinois.
- Headquarters
- 9 E Main St, Mascoutah, IL 62258
- FDIC certificate
- 33753 ↗
Branches
3 branches in Illinois
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Illinois
3 branches
- Citizens Community BankMain office9 E Main St, Mascoutah, IL 62258Directions
- Freeburg Branch620 N State St, Freeburg, IL 62243Directions
- New Athens Branch704 New Baldwin Rd, New Athens, IL 62264Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.83% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 5.81% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.30% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $63 | $81 | — |
- CapitalLeverage ratio9.83%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent5.81%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.30%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$63Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.