Citizens First National 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.
Loan-to-deposit ratio dropped 3.53 percentage points in Q2 2026, from 68.93% to 65.40%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Citizens First National Bank sits 11th from the top on return on assets, 2.36% as of Q2 2026. Citizens First National Bank's return on assets of 2.36% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.11 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 27.33% |
| Tier 1 risk-based capital ratio | 27.33% |
| Total risk-based capital ratio | 28.58% |
| Tier 1 leverage ratio | 15.87% |
| Equity capital to assets | 15.36% |
| Tangible equity to tangible assets | 15.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 0.10% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.36% |
| Return on equity | 15.38% |
| Net interest margin | 4.15% |
| Efficiency ratio | 55.17% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.40% |
| Core deposits to total deposits | 92.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.08% |
| Securities to assets | 33.89% |
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 | 17.16% | 17.16% | 18.41% | 11.37% | 2.28% |
| Q4 2023 | 18.25% | 18.25% | 19.50% | 12.04% | -28.43% |
| Q1 2024 | 19.71% | 19.71% | 20.96% | 12.51% | 2.21% |
| Q2 2024 | 21.13% | 21.13% | 22.39% | 13.49% | 2.31% |
| Q3 2024 | 21.52% | 21.52% | 22.77% | 13.96% | 1.61% |
| Q4 2024 | 21.13% | 21.13% | 22.38% | 13.46% | 3.55% |
| Q1 2025 | 22.50% | 22.50% | 23.76% | 13.46% | 2.03% |
| Q2 2025 | 23.43% | 23.43% | 24.68% | 14.24% | 2.23% |
| Q3 2025 | 24.38% | 24.38% | 25.63% | 14.80% | 2.53% |
| Q4 2025 | 25.16% | 25.16% | 26.41% | 14.18% | 3.63% |
| Q1 2026 | 25.48% | 25.48% | 26.73% | 14.95% | 2.63% |
| Q2 2026 | 27.33% | 27.33% | 28.58% | 15.87% | 2.36% |
Citizens First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4511) · FFIEC NIC profile (RSSD 424240)