Overview / Commentary
712-662-4755
500 West Main Street
Sac City, IA 50583

Citizens Bank (IA) is headquartered in Sac City and is the 246th largest bank in the state of Iowa. It is also the 4,936th largest bank in the nation. It was established in 1929 and as of September of 2018, it had grown to 13 employees at 2 locations. Citizens Bank (IA)'s CD rates are 11% higher than the national average, and it has a B health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Bank (IA) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #8758
Year Established1929
Employees13
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD12.03%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$53.0MM$53.5MM
LoansQ3 2018vs Q3 2017$25.6MM$23.1MM
DepositsQ3 2018vs Q3 2017$45.9MM$45.9MM
Equity CapitalQ3 2018vs Q3 2017$3.9MM$4.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$239.00K$244.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$99.00K$193.00K
Real Estate OwnedQ3 2018vs Q3 2017$115.00K$111.00K
Rates
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Citizens Bank (IA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Variable Savings

Citizens Bank (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Checking Plus Interest NOW Account

Citizens Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month CD
1.46%$500-48 Month CD
1.36%$500-36 Month CD
1.26%$100-24 Month CD
1.00%$500-12 Month CD
0.50%$500-7/31 Day Multiflex CD
0.50%$500-182 Day CD

Citizens Bank (IA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$100-3 Month Keogh CD
0.75%$100-3 Month IRA CD
Locations


Citizens Bank (IA) Locations
Citizens Bank500 Main StreetSac City, IA 50583
Parking Lot BranchN 6th Street & Williams StreetSac City, IA 50583

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