Citizens First Bank (IA)

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Overview / Commentary

563-243-6000

1442 Lincoln Way
Clinton, IA 52732

Citizens First Bank (IA) is headquartered in Clinton and is the 93^rd largest bank in the state of Iowa. It is also the 2,613^th largest bank in the nation. It was established in 2000 and as of March of 2021, it had grown to 45 employees at 3 locations. Citizens First Bank (IA)'s money market rates are 70% higher than the national average, and it has a B+ health rating.

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2009

11/22 - 5.01% Reward Checking Account at Citizens First Bank in Iowa - Local Only

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Health

B+

Data as of Q1 2021

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Health Grade Components

Overall
FDIC Certificate #	35477
Year Established	2000
Employees	45
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	13.04%
Annual Interest Income	$2.4MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$273.3MM$228.5MM
Loans	Q1 2021vs Q1 2020	$191.4MM$190.7MM
Deposits	Q1 2021vs Q1 2020	$236.4MM$189.3MM
Equity Capital	Q1 2021vs Q1 2020	$22.9MM$21.8MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$2.0MM$2.1MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$2.4MM$1.3MM
Real Estate Owned	Q1 2021vs Q1 2020	$0$0

Rates

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

Citizens First Bank (IA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%	-	-	Bonu$ Savings
0.25%^*	$25k^*	-	HSA (Health Savings Account)
OTHER TIERS: 0.05% → $500 - $10k \| 0.10% → $10k - $25k
0.10%	-	-	Personal Basic Savings
0.10%	-	-	Business Basic Savings
0.10%	-	-	Christmas Club Savings

Citizens First Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$25k^*	-	Money Market
OTHER TIERS: 0.15% → Up to $10k \| 0.40% → $10k - $25k
0.75%^*	$25k^*	-	Business Money Market
OTHER TIERS: 0.15% → Up to $10k \| 0.40% → $10k - $25k

Citizens First Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.10%^*	-	$25k	Intere$t Reward$ Checking
OTHER TIERS: 0.35% → $25k+
0.50%^*	$25k^*	-	Business Plus Checking
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k
0.50%^*	$25k^*	-	Plu$ Reward$ Checking
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k

Citizens First Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$500	-	60 Month CD
0.60%	$500	-	Business 60 Month CD
0.45%	$500	-	48 Month CD
0.45%	$500	-	Business 48 Month CD
0.40%	$500	-	36 Month CD
0.40%	$500	-	Business 36 Month CD
0.30%	$500	-	18 Month CD
0.30%	$500	-	24 Month CD
0.30%	$500	-	Business 18 Month CD
0.30%	$500	-	Business 24 Month CD
0.25%	$500	-	6 Month CD
0.25%	$500	-	12 Month CD
0.25%	$500	-	Business 6 Month CD
0.25%	$500	-	Business 12 Month CD
0.15%	$500	-	7 - 89 Day CD
0.15%	$500	-	3 Month CD
0.15%	$500	-	Business 7 - 89 Day CD
0.15%	$500	-	Business 3 Month CD

Citizens First Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$500	-	60 Month IRA
0.45%	$500	-	48 Month IRA
0.40%	$500	-	24 Month IRA
0.40%	$500	-	36 Month IRA
0.30%	$500	-	18 Month IRA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	12 Month IRA
0.15%	$500	-	7 - 89 Day IRA
0.15%	$500	-	3 Month IRA

Locations

Citizens First Bank (IA) Locations
Mid-Town Branch	1329 North 2nd Street	Clinton, IA 52732
Citizens First Bank	1442 Lincoln Way	Clinton, IA 52732
Camanche Branch	403 South Washington Boulevard	Camanche, IA 52730

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