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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 89^th largest bank in the state of Iowa. It is also the 2,568^th largest bank in the nation. It was established in 2000 and as of December of 2020, it had grown to 47 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 Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	35477
Year Established	2000
Employees	47
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	10.46%
Annual Interest Income	$10.0MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$267.8MM$214.3MM
Loans	Q4 2020vs Q4 2019	$190.9MM$186.1MM
Deposits	Q4 2020vs Q4 2019	$230.3MM$179.3MM
Equity Capital	Q4 2020vs Q4 2019	$22.7MM$21.2MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$1.9MM$1.9MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$2.5MM$848.00K
Real Estate Owned	Q4 2020vs Q4 2019	$0$0

Rates

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Money Market
Checking
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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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