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1805 Campbell Lane
Bowling Green, KY 42104

Citizens First Bank, Inc. is headquartered in Bowling Green and is the 34th largest bank in the state of Kentucky. It is also the 1,619st largest bank in the nation. It was established in 1999 and as of June of 2014, it had grown to 99 employees at 10 locations. Citizens First Bank, Inc.'s money market rates are 14% higher than the national average, and it boasts a A+ health rating.

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Data for Q2 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 June 30, 2014 Citizens First Bank, Inc. had $2.48 million in non-current loans and owned real-estate with $49.9 million in equity and loan loss allowances on hand to cover it. This gives Citizens First Bank, Inc. a Texas Ratio of 4.97% which is excellent. 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, Inc. decreased dramatically from 19.53% as of June 30, 2013 to 4.97% as of June 30, 2014, resulting in a positive change of 74.54%.This indicates that the balance sheet and financial strength for Citizens First Bank, Inc. has improved dramatically in recent periods.

Deposit Growth


In the past year, Citizens First Bank, Inc. has increased its total deposits by $8.73 million, resulting in 2.59% 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, Inc. 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, Inc. has $414.63 million in assets with $49.9 million in equity, resulting in a capitalization level of 12.03%, which is excellent.

Institution Statistics

FDIC Certificate #35022
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$414.63 million
Loans$306.79 million
Deposits$346.14 million
Equity Capital$44.94 million
Loan Loss Allowance$4.95 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$598,000
Historic Data - June 2013
Assets$411.31 million
Equity Capital$45.13 million
Loan Loss Allowance$6.06 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$517,000
Profit Margin - Quarterly
Return on Assets0.76%
Return on Equity7.16%
Interest Income$8.41 million

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Citizens First Bank, Inc. Savings Account Rates

0.25%--Christmas Club Account
0.15%$200-Primary Savings Account
0.05%$1k-Citizens First Club Account
0.05%--Health Savings Account

Citizens First Bank, Inc. Money Market Rates

0.50%$250k-Personal Money Market Account
0.50%$250k-Commercial Money Market Account

Citizens First Bank, Inc. Checking Account Rates

2.27%-$25kPlatinum Plus Checking - Qualifying
0.15%$500-Golden Wheat Checking Account
0.15%--Commercial Interest Analysis Account
0.05%$1k-Commercial Plus Checking Account
0.05%--Platinum Plus Checking - Non Qualifying

Citizens First Bank, Inc. CD Rates

1.50%$500-60 Month CD
1.10%$500-48 Month CD
1.00%$500-36 Month CD
1.00%$500-30 Month CD
0.75%$500-24 Month CD
0.60%$500-18 Month CD
0.50%$500-12 Month CD
0.40%$500-6 Month CD
0.25%$500-3 Month CD
0.25%$2,500-12 Month Prime Rate CD
0.15%$5k-1 Month CD

Citizens First Bank, Inc. Locations
Franklin Branch1200 South Main StreetFranklin, KY 42134
Scottsville Rd Branch1700 Scottsville RoadBowling Green, KY 42103
Citizens First Bank, Inc.1805 Campbell LaneBowling Green, KY 42104
Horse Cave Branch204 Main StreetHorse Cave, KY 42749
Bowling Green Branch2451 Fitzgerald Industiral DriveBowling Green, KY 42101
Glasgow Branch607 South L. Rogers Wells BoulevardGlasgow, KY 42141
Munfordville Branch656 North Main StreetMunfordville, KY 42765
West Cherry Branch760 West Cherry StreetGlasgow, KY 42141
Lehman Avenue Branch987 Lehman AvenueBowling Green, KY 42104