CITIZENS FIRST BANK
CITIZENS FIRST BANK is an FDIC-insured commercial bank headquartered in CLINTON, IA, established in 2000. As of , 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 3.08%. CET1 capital ratio: 9.96%. NPL ratio: 0.97% · Texas Ratio: 10.30%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Citizens First Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.96% | 1.09% | 0.97% | 10.30% | 3.08% |
| 2025-09-30 | 9.99% | 0.86% | 1.01% | 17.85% | 2.74% |
| 2025-06-30 | 10.00% | 0.66% | 0.46% | 12.48% | 2.78% |
| 2025-03-31 | 10.02% | -1.45% | 2.16% | 24.42% | 2.29% |
| 2024-12-31 | 10.58% | 0.83% | 0.39% | 4.67% | 2.74% |
| 2024-09-30 | 10.50% | 0.82% | 0.39% | 4.26% | 2.63% |
| 2024-06-30 | 10.69% | 0.59% | 0.38% | 4.78% | 2.57% |
| 2024-03-31 | 10.41% | 0.63% | 0.39% | 5.06% | 2.47% |
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Frequently asked about CITIZENS FIRST BANK
What are Citizens First Bank's total assets?
As of the Q4 2025 filing, Citizens First Bank reported total assets of $359.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens First Bank headquartered?
Citizens First Bank is headquartered in CLINTON, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens First Bank founded?
Citizens First Bank was established in 2000, per the FDIC institution directory.
Is Citizens First Bank FDIC-insured?
Yes. Citizens First Bank is an FDIC-insured commercial bank (FDIC Certificate #35477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens First Bank?
Citizens First Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens First Bank's CET1 capital ratio?
Citizens First Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.96% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Citizens First Bank operate?
Citizens First Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens First Bank's Texas Ratio?
Citizens First Bank's Texas Ratio is 10.30% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.