Bank · FDIC insured
Citizens National Bank of Albion
A $348.5M bank headquartered in Albion, IL, with 5 branches in Illinois. Best rates: CDs 4.04% and savings 0.50% APY.
Citizens National Bank of Albion Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#127 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank of Albion
Citizens National Bank of Albion opened in Albion, Illinois, in 1940 after local business leaders organized to replace a failed institution.
Originating from the First State Bank of Golden Gate, the community bank is owned by shareholders who live and work in the communities it serves.
Through branch openings and acquisitions in Mt. Erie and Bridgeport, it serves customers across Edwards, Richland, Wayne, and Lawrence counties.
- Headquarters
- 10 W Elm St, Albion, IL 62806
- FDIC certificate
- 15760 ↗
Branches
5 branches in Illinois
Loading map…
Illinois
5 branches
Albion area · 1
- Citizens National Bank of AlbionMain office10 W Elm St, Albion, IL 62806Directions
Bridgeport area · 1
- Bridgeport Branch100 E State St, Bridgeport, IL 62417Directions
Crossville area · 1
- Crossville Branch303 W Main St, Crossville, IL 62827Directions
Mount Erie area · 1
- Mt Erie Branch101 West Main Street, Mount Erie, IL 62446Directions
Olney area · 1
- Olney Branch1110 S West St, Olney, IL 62450Directions
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 | 17.35% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.54% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.51% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio17.35%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.54%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.51%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ 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 National Bank of Albion are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.