Citizens First National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Citizens First National Bank is one of the more profitable banks of its size. Its balance sheet stood at $256 million at June 30, 2026, up 2.2% from a year earlier; it is based in Storm Lake, Iowa. It earns about $2.36 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 27.33% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Its $19 million commercial and industrial book is improving, with 0.60% past due or on nonaccrual, down from 6.44% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 7.3% and deposits rose 0.0%.
As of June 30, 2026, Citizens First National Bank reported a CET1 capital ratio of 27.33%, a return on assets of 2.36%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.10%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- East 5th And Lake Avenue, Storm Lake, IA 50588
- County
- Buena Vista
- Metro Area
- Storm Lake, IA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1902
- Offices
- 3 domestic
- Employees (FTE)
- 46
- Domestic deposits
- $210.5M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$77K
- Average total assets
- $252.3M
- Average total loans
- $138.9M
- Average interest-bearing deposits
- $173.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4511
- Fed RSSD
- 424240
- Website
- www.citizensfnb.com →
- Parent Holding Company
- FNC., INC. (RSSD 2511322)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens First National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens First National Bank, freeCitizens First National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens First National Bank: ROA, CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 27.33% | 2.36% | 0.00% | 0.10% | 4.15% |
| Q1 2026 | 25.48% | 2.63% | 0.00% | 0.26% | 4.12% |
| Q4 2025 | 25.16% | 3.63% | 0.00% | 0.27% | 4.37% |
| Q3 2025 | 24.38% | 2.53% | 0.00% | 5.01% | 4.18% |
| Q2 2025 | 23.43% | 2.23% | 0.00% | 4.30% | 3.90% |
| Q1 2025 | 22.50% | 2.03% | 0.01% | 0.17% | 3.68% |
| Q4 2024 | 21.13% | 3.55% | 0.03% | 0.21% | 3.65% |
| Q3 2024 | 21.52% | 1.61% | 0.20% | 0.89% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens First National Bank of Storm Lake | Storm Lake , IA | 50588 | $183.9M |
| Early Branch | Early , IA | 50535 | $26.6M |
| North Branch | Storm Lake , IA | 50588 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 2, 1985 | Structure Change | Acquired Early Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Citizens First National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IA, rank 130 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $225K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens First National Bank
What are Citizens First National Bank's total assets?
As of the Q2 2026 filing, Citizens First National Bank reported total assets of $256.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens First National Bank headquartered?
Citizens First National Bank is headquartered in Storm Lake, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Citizens First National Bank founded?
Citizens First National Bank was established in 1902, per the FDIC institution directory.
Is Citizens First National Bank FDIC-insured?
Yes. Citizens First National Bank is an FDIC-insured commercial bank (FDIC Certificate #4511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens First National Bank?
Citizens First National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens First National Bank's CET1 capital ratio?
Citizens First National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 27.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens First National Bank operate?
Citizens First National Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens First National Bank's Texas Ratio?
Citizens First National Bank's Texas Ratio is 0.10% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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