Citizens First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.67 percentage points in Q2 2026, from 54.65% to 68.33%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Citizens First Bank is 145th of 225 on return on assets, 1.21% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Citizens First Bank sits 0.05 points lower, at 1.21% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.97% |
| Tier 1 risk-based capital ratio | 9.97% |
| Total risk-based capital ratio | 11.09% |
| Tier 1 leverage ratio | 8.24% |
| Equity capital to assets | 6.54% |
| Tangible equity to tangible assets | 6.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.71% |
| Non-performing assets ratio | 1.36% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 18.18% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 68.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 19.30% |
| Net interest margin | 3.34% |
| Efficiency ratio | 62.03% |
| Yield on earning assets | 5.71% |
| Cost of funds | 2.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.81% |
| Core deposits to total deposits | 73.54% |
| Brokered deposits to total deposits | 10.68% |
| Deposits to assets | 77.14% |
| Securities to assets | 16.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.44% | 10.44% | 11.69% | 8.05% | 0.10% |
| Q4 2023 | 10.33% | 10.33% | 11.51% | 7.96% | 0.41% |
| Q1 2024 | 10.41% | 10.41% | 11.61% | 8.07% | 0.61% |
| Q2 2024 | 10.69% | 10.69% | 11.92% | 8.03% | 0.56% |
| Q3 2024 | 10.50% | 10.50% | 11.72% | 8.35% | 0.79% |
| Q4 2024 | 10.58% | 10.58% | 11.82% | 8.39% | 0.81% |
| Q1 2025 | 10.02% | 10.02% | 11.27% | 7.81% | -1.40% |
| Q2 2025 | 10.00% | 10.00% | 11.18% | 8.04% | 0.64% |
| Q3 2025 | 9.99% | 9.99% | 11.19% | 8.02% | 0.84% |
| Q4 2025 | 9.96% | 9.96% | 11.09% | 8.22% | 1.07% |
| Q1 2026 | 9.87% | 9.87% | 10.93% | 8.32% | 1.01% |
| Q2 2026 | 9.97% | 9.97% | 11.09% | 8.24% | 1.21% |
Citizens First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35477) · FFIEC NIC profile (RSSD 2882983)