Citizens State Bank of Milford

Milford, IllinoisFDIC Cert #931

STATEEstablished 19071 branch

Holding company: ARTHUR R MURRAY INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$2.49M
Multifamily	$113K
Construction	$0
1–4 family	$92K
C&I	$2.39M
Agriculture	$16.4M
Other	$775K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$22.2M

−1.9%y/y

Percentile by value36th percentileby value

FDICLNLSGR

Net loans

$22.1M

−1.9%y/y

Percentile by value36th percentileby value

FDICLNLSNET

Loans YoY

−1.89%

+78.4%y/y

Percentile by value28th percentileby value

FDICLNLSNET

L/D

41.7%

−1.6%y/y

Percentile by value21st percentileby value

FDICLNLSNET + DEP

Loans/assets

38.2%

−3.1%y/y

Percentile by value29th percentileby value

FDICLNLSNET + ASSET

RE loans %

52.34%

+36.3%y/y

Percentile by value27th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

49%

−7.4%y/y

Percentile by value65th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,975points

+8.0%y/y

Peer standing42nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

11.22%

−2.4%y/y

Percentile by value81st percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.75%

−37.0%y/y

Percentile by value58th percentileby value

FDICLNCI + LNLSGR