Citizens First National Bank
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Data as of · sourced from FFIEC call reports. How we update
Citizens First National Bank is an FDIC-insured commercial bank headquartered in Storm Lake, IA, established in 1902 (FDIC certificate 4511), and it is supervised by the OCC. At Q2 2026 it reported total assets of $256.5M, up 2.2% from Q2 2025, the 122nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 27.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4511
- Headquarters
- Storm Lake, IA
- Established
- 1902
- Total assets, Q2 2026
- $256.5M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 27.33%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073903516
- Latest call report
- Q2 2026, FFIEC 051 · Citizens First National Bank call report
- Holding company
- FNC., INC.
- Asset rank in state
- 122nd of 225 in Iowa
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 0.03% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens First National Bank is the 122nd largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.0% to $256.5M, loans fell 3.1% and deposits rose 2.2%. Agricultural production loans made up 34.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 30.6%. The FDIC Summary of Deposits lists 3 offices for it, in Storm Lake, IA and Early, IA; its Storm Lake 2 offices book 87% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens First National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 3 FDIC institution directory, current count
- 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
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
From Q3 2023 to Q2 2026, Citizens First National Bank's total assets ranged from $238.8M (Q3 2024) to $260.2M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$256.5M total assets against $250.9M; $217.1M total liabilities against $215.6M.
$135.2M net loans and leases against $146.1M; $210.5M total deposits against $210.5M.
$86.9M securities against $75.7M; $30.6M cash and balances due against $24.4M.
$3.3M total interest income against $3.2M; $694K total interest expense against $808K.
$2.6M net interest income against $2.4M.
$761K total noninterest income against $854K; $1.8M total noninterest expense against $1.9M.
$0 provision for credit losses against $0.
$1.5M net income against $1.4M.
2.36% return on assets against 2.23%; 4.15% net interest margin against 3.90%.
27.33% CET1 capital ratio against 23.43%; 15.87% tier 1 leverage ratio against 14.24%.
Inside the full Citizens First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens First National Bank rankings
Its closest position to the top of a national ranking is 116 of 2,134, for CET1 ratio; its furthest is 3,236 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.61% (Q3 2024) to 3.63% (Q4 2025) and its net interest margin ran from 3.38% (Q3 2024) to 4.37% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.33% | 2.36% | 0.03% | 0.10% | 4.15% |
| Q1 2026 | 25.48% | 2.63% | 0.07% | 0.26% | 4.12% |
| Q4 2025 | 25.16% | 3.63% | 0.07% | 0.27% | 4.37% |
| Q3 2025 | 24.38% | 2.53% | 0.32% | 5.01% | 4.18% |
| Q2 2025 | 23.43% | 2.23% | 0.08% | 4.30% | 3.90% |
| Q1 2025 | 22.50% | 2.03% | 0.04% | 0.17% | 3.68% |
| Q4 2024 | 21.13% | 3.55% | 0.05% | 0.21% | 3.65% |
| Q3 2024 | 21.52% | 1.61% | 0.21% | 0.89% | 3.38% |
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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 130 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- 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 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.
Where is Citizens First National Bank headquartered?
It is headquartered in Storm Lake, IA, United States.
When was Citizens First National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Citizens First National Bank FDIC-insured?
Yes. It 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.
What is Citizens First National Bank's CET1 capital ratio?
It 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?
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 National Bank's Texas Ratio?
Its Texas Ratio is 0.10% 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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