CITIZENS FIRST BANK

CLINTON, IA | Small | Est. March 14, 2000, midnight | FDIC #35477 | RSSD #2882983 | FDIC
Latest Report: 2025-12-31

CITIZENS FIRST BANK is asn small FDIC-insured commercial bank headquartered in CLINTON, IA, established in March 14, 2000, midnight. As of 2025-12-31, the bank reported total assets of $359M and total deposits of $280M. Profitability stands at 1.09% ROA and 17.76% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 9.96%. Asset quality metrics show a non-performing loan ratio of 0.97% and a Texas Ratio of 10.30%. FDIC Certificate #35477.

Assets

$359M

Deposits

$280M

Loans

$276M

Equity

$23M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 17.76%
Net Interest Margin (NIM) 3.26%
Yield on Assets 6.00%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.97%
Net Charge-Off Ratio 0.60%
Texas Ratio 10.30%
NPA Ratio 0.74%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 9.96%
Tier 1 Capital 9.96%
Total Capital Ratio 11.09%
Leverage Ratio 8.22%
Loan-to-Deposit 98.65%

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