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Citizens Bank (IA)


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

Citizens Bank (IA) is headquartered in Sac City and is the 242nd largest bank in the state of Iowa. It is also the 4,834th largest bank in the nation. It was established in 1929 and as of March of 2019, it had grown to 12 employees at 2 locations. Citizens Bank (IA)'s CD rates are 90% 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
Employees12
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD13.93%
Annual Interest Income$496.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$53.8MM$53.8MM
LoansQ1 2019vs Q1 2018$27.7MM$24.2MM
DepositsQ1 2019vs Q1 2018$45.7MM$47.3MM
Equity CapitalQ1 2019vs Q1 2018$4.3MM$3.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$243.00K$244.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$202.00K$315.00K
Real Estate OwnedQ1 2019vs Q1 2018$115.00K$115.00K
Rates
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Citizens Bank (IA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--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
2.37%$500-60 Month CD
2.22%$500-48 Month CD
2.02%$500-36 Month CD
1.86%$100-24 Month CD
1.71%$500-12 Month CD
1.21%$500-182 Day CD
0.76%$500-7/31 Day Multiflex CD

Citizens Bank (IA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%$100-3 Month Keogh CD
1.36%$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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