Citizens First Bank (Clinton, IA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens First Bank is an FDIC-insured commercial bank headquartered in Clinton, IA, established in 2000 (FDIC certificate 35477), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $359.0M, up 5.8% from Q2 2025, the 88th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 9.31% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35477
- Headquarters
- Clinton, IA
- Established
- 2000
- Total assets, Q2 2026
- $359.0M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 9.31%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073922762
- Latest call report
- Q2 2026, FFIEC 051 · Citizens First Bank call report
- Holding company
- CFB HOLDING COMPANY
- Asset rank in state
- 88th of 225 in Iowa
Citizens First Bank spends more to run itself than most banks of its size. Based in Clinton, Iowa, it had $359 million in assets at June 30, 2026, up 5.8% from a year earlier. It loses about $1.22 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also holds common equity equal to 9.31% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
It lost $1.1 million in the quarter. The commercial and industrial book ($55 million) is worsening: 4.70% of it is past due or on nonaccrual, up from 1.01% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.8% of the capital and reserves that would absorb them, 5.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Citizens First Bank reported a CET1 capital ratio of 9.31%, a return on assets of -1.22%, a nonperforming-loan ratio of 1.19% and a Texas ratio of 13.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens First Bank is the 88th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $359.0M, loans rose 2.9% and deposits fell 3.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 20.3% of total loans, ahead of commercial and industrial loans at 19.3%. The FDIC Summary of Deposits lists 3 offices for it, in Clinton, IA and Camanche, IA; its Clinton 2 offices book 95% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1442 Lincoln Way, Clinton, IA 52732
- County
- Clinton
- Metro Area
- Clinton, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 14, 2000
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $278.7M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $370.2M
- Average total loans
- $286.5M
- Average interest-bearing deposits
- $255.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 2000
- FDIC Cert
- 35477
- Fed RSSD
- 2882983
- SEC CIK
- 1547419 → filed by CFB HOLDING COMPANY
- Website
- www.gocfb.bank →
- Parent Holding Company
- CFB HOLDING COMPANY (RSSD 3070013)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens First Bank's total assets moved between a low of $307.8M (Q2 2024) and a high of $359.3M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$359.0M total assets against $339.3M; $337.6M total liabilities against $320.4M.
$281.6M net loans and leases against $248.2M; $278.7M total deposits against $264.0M.
$58.5M securities against $66.1M; $7.7M cash and balances due against $11.1M.
$5.1M total interest income against $4.5M; $2.1M total interest expense against $2.2M.
$3.0M net interest income against $2.3M.
$553K total noninterest income against $519K; $2.2M total noninterest expense against $2.2M.
$2.4M provision for credit losses against $61K.
-$1.1M net income against $547K.
-1.22% return on assets against 0.64%; 3.34% net interest margin against 2.75%.
9.31% CET1 capital ratio against 10.00%; 7.63% tier 1 leverage ratio against 8.04%.
Inside the full Citizens First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens First Bank rankings
Its closest position to the top of a national ranking is 368 of 3,640, for Texas Ratio; its furthest is 2,130 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.40% (Q1 2025) to 1.07% (Q4 2025) and its net interest margin ran from 2.26% (Q1 2025) to 3.34% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.31% | -1.22% | 1.19% | 13.76% | 3.34% |
| Q1 2026 | 9.87% | 1.01% | 2.11% | 22.55% | 2.99% |
| Q4 2025 | 9.96% | 1.07% | 2.01% | 16.13% | 3.11% |
| Q3 2025 | 9.99% | 0.84% | 1.41% | 22.15% | 2.67% |
| Q2 2025 | 10.00% | 0.64% | 1.40% | 23.11% | 2.75% |
| Q1 2025 | 10.02% | -1.40% | 2.26% | 25.52% | 2.26% |
| Q4 2024 | 10.58% | 0.81% | 2.24% | 26.61% | 2.74% |
| Q3 2024 | 10.50% | 0.79% | 2.38% | 26.27% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens First Bank (main office) | Clinton , IA | 52732 | $215.6M |
| Mid-Town Branch | Clinton , IA | 52732 | $49.4M |
| Camanche Branch | Camanche , IA | 52730 | $13.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 105 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens First Bank
What are Citizens First Bank's total assets?
As of the Q2 2026 filing, Citizens First Bank reported total assets of $359.0 million in its FFIEC call report.
Where is Citizens First Bank headquartered?
It is headquartered in Clinton, IA, United States.
When was Citizens First Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Citizens First Bank FDIC-insured?
Yes. It 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.
What is Citizens First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.31% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens First Bank operate?
It 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 Bank's Texas Ratio?
Its Texas Ratio is 13.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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