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Citizens First Bank
Clinton, IA · FDIC Certificate #35477 · Chartered 03/1
Total assets
$361.26M
Total deposits
$278.67M
Total equity
$23.61M
Net loans
$283.14M
Branches (offices)
3
Net income (YTD)
$2.04M
Rank: #2,195 of 4,213 U.S. banks by assets · #87 of 225 in Iowa. Assets changed 6.5% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 17.74% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 6.54% |
| Tier 1 leverage ratio | 8.24% |
| Uninsured deposits (share of deposits) | 29.0% |
| Noncurrent loans (share of loans) | 1.71% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 101.6% |
| Real estate loans (share of loans) | 70.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $200.78M | 70.9% | |
| Commercial & industrial | $55.01M | 19.4% | |
| Consumer / individual | $4.51M | 1.6% | |
| Construction & development | $17.08M | 6.0% | |
| Agricultural | $25.04M | 8.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $276.89M | $248.92M | $985.00K | $14.25M |
| Jun 2023 | $305.46M | $244.97M | $645.00K | $14.04M |
| Jun 2024 | $307.75M | $236.74M | $956.00K | $15.74M |
| Jun 2025 | $339.31M | $263.98M | -$626.00K | $18.87M |
| Jun 2026 | $361.26M | $278.67M | $2.04M | $23.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $278.67M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $278.67M.
Similar-sized banks
First National Bank In Port Lavaca ($361.33M) · Heritage Bank National Association ($361.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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