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Citizens First Bank (FL)


Overview / Commentary
www.citizensfb.com
352-751-2100
1050 Lake Sumter Landing
The Villages, FL 32162

Citizens First Bank (FL) is headquartered in The Villages and is the 10th largest bank in the state of Florida. It is also the 362nd largest bank in the nation. It was established in 1991 and as of December of 2019, it had grown to 336 employees at 12 locations. Citizens First Bank (FL)'s money market rates are 36% higher than the national average, and it boasts an A+ health rating.

Reviews (2)

Great Bank To Work With

Posted by: |

I have been with Citizen's First Bank for five years now, and with the online banking ability, with no fees, it has been my easiest banking experience. The only negative I have is their low interest rates, For CDs, savings interest, and checking interest.

1

Great customer service

Posted by: |

I have had wonderful customer service at Citizens First Bank. They have 3 close and convenient locations that all offer drive thrus and drive up ATMS. the only down side to that is half the time their ATMs are out of service. They aren't working more than they are working. however the customer service definitely makes up for it. Anytime I have overdrafted they have waived my over draft fee. they also dont charge fees for anything else besides overdrafting. whether you call, go in, or go to the drive thru workers are always so kind, patient, and quick. another downside to this bank is their APP is horrible. it never seems to be working and if it is it very delayed, which their website is as well. purchases take quite some time to show up on your account--so your balance is inaccurate.

2


Health
A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33440
Year Established1991
Employees336
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.95%
Return on Equity - YTD16.52%
Annual Interest Income$78.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$2.46B$2.26B
LoansQ4 2019vs Q4 2018$741.8MM$750.5MM
DepositsQ4 2019vs Q4 2018$1.98B$1.78B
Equity CapitalQ4 2019vs Q4 2018$312.5MM$234.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$9.9MM$8.1MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$894.00K$1.3MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Citizens First Bank (FL); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens First Bank (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Tiered Savings Account
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $100k
0.10%$25-Youth Savings Account

Citizens First Bank (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$1m*-Citizens Advantage Money Market
OTHER TIERS: 0.15% → $2.5k - $10k | 0.20% → $10k - $50k | 0.35% → $50k - $250k | 0.40% → $250k - $1m

Citizens First Bank (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Senior Interest Checking
0.10%$1k-American Heroes Checking

Citizens First Bank (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$2.5k-5 Year CD
1.41%$2.5k-4 Year CD
1.31%$2.5k-3 Year CD
1.26%$10k-2 Year CD Special
1.16%$2.5k-2 Year CD
1.11%$2.5k-18 Month CD
1.11%$10k-1 Year Special CD
1.01%$2.5k-1 Year CD
0.60%$2.5k-6 Month CD
0.50%$2.5k-3 Month CD
0.25%$2.5k-30 Day CD

Citizens First Bank (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$2.5k-5 Year Fixed IRA
1.41%$2.5k-4 Year Fixed IRA
1.31%$2.5k-3 Year Fixed IRA
1.26%*$10k*-2 Year Fixed IRA
OTHER TIERS: 1.16% → $2.5k - $10k
1.11%$2.5k-18 Month Variable IRA
1.11%*$10k*-1 Year Fixed IRA
OTHER TIERS: 1.01% → $2.5k - $10k
Locations

Availability



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