Banks CITIZENS FIRST NATIONAL BANK

CITIZENS FIRST NATIONAL BANK

STORM LAKE, IA Small Est. Feb. 1, 1902, midnight FDIC #4511 RSSD #424240 OCC
Latest · 2025-12-31

CITIZENS FIRST NATIONAL BANK is an FDIC-insured commercial bank headquartered in STORM LAKE, IA, established in Feb. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $260M and total deposits of $218M. Profitability stands at 3.75% ROA and 25.92% ROE, with a net interest margin of 4.76%. CET1 capital ratio: 25.16%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%.

Assets
$260M
Deposits
$218M
Loans
$147M
Equity
$38M

Profitability

Return on Assets (ROA)3.75%
Return on Equity (ROE)25.92%
Net Interest Margin4.76%
Yield on Assets6.05%
Cost of Funds1.40%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.05%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.63%

Capital & Liquidity

CET1 Ratio25.16%
Tier 1 Capital25.16%
Total Capital Ratio26.41%
Leverage Ratio14.18%
Loan-to-Deposit67.45%

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