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Overview / Commentary
1442 Lincoln Way
Clinton, IA 52732

Citizens First Bank (IA) is headquartered in Clinton and is the 120th largest bank in the state of Iowa. It is also the 3,511st largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 44 employees at 3 locations. Citizens First Bank (IA) has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens First Bank (IA) had $2.92 million in non-current loans and owned real-estate with $17.22 million in equity and loan loss allowances on hand to cover it. This gives Citizens First Bank (IA) a Texas Ratio of 16.94% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens First Bank (IA) increased slightly from 5.26% as of March 31, 2013 to 16.94% as of March 31, 2014, resulting in a negative change of 221.84%. This indicates that the balance sheet and financial strength for Citizens First Bank (IA) has declined slightly in recent periods.

Deposit Growth


In the past year, Citizens First Bank (IA) has increased its total deposits by $835,000, resulting in 0.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens First Bank (IA) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens First Bank (IA) has $163.14 million in assets with $17.22 million in equity, resulting in a capitalization level of 10.55%, which is above average.

Institution Statistics

FDIC Certificate #35477
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$163.14 million
Loans$126.58 million
Deposits$145.03 million
Equity Capital$16.00 million
Loan Loss Allowance$1.22 million
Unbacked Noncurrent Loans$2.36 million
Real Estate Owned$559,000
Historic Data - March 2013
Assets$161.53 million
Equity Capital$15.99 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$2.36 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.58%
Return on Assets0.76%
Return on Equity7.88%
Interest Income$1.63 million

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Citizens First Bank (IA) Savings Account Rates

0.10%--Personal Basic Savings
0.10%--Business Basic Savings

Citizens First Bank (IA) Money Market Rates

0.20%$25k-Personal Money Market
0.20%$25k-Business Money Market

Citizens First Bank (IA) Checking Account Rates

1.50%-$25kSmart eChecking - Qualifying
0.25%$25k-Choice Checking
0.25%$25k-Gold Checking
0.25%$25k-Business Plus Checking
0.05%--Smart eChecking - Non Qualifying

Citizens First Bank (IA) CD Rates

1.15%$500-60 Month CD
1.05%$500-37 Month CD Special
1.00%$500-48 Month CD
0.85%$500-36 Month CD
0.80%$500-29 Month CD Special
0.55%$500-24 Month CD
0.45%$500-18 Month CD
0.35%$500-12 Month CD
0.20%$500-6 Month CD
0.15%$500-7 - 89 Day CD
0.15%$500-3 Month CD

Citizens First Bank (IA) IRA Rates

1.15%$500-60 Month IRA
1.00%$500-48 Month IRA
0.85%$500-36 Month IRA
0.55%$500-24 Month IRA
0.45%$500-18 Month IRA
0.35%$500-12 Month IRA
0.20%$500-6 Month IRA
0.15%$500-7 - 89 Day IRA
0.15%$500-3 Month IRA

Citizens First Bank (IA) Locations
Mid-Town Branch1329 North 2nd StreetClinton, IA 52732
Citizens First Bank1442 Lincoln WayClinton, IA 52732
Camanche Branch403 South Washington BoulevardCamanche, IA 52730