Citizens First Bank, Inc.

Overview / Commentary
1805 Campbell Lane
Bowling Green, KY 42104

Citizens First Bank, Inc. is headquartered in Bowling Green and is the 30th largest bank in the state of Kentucky. It is also the 1,496th largest bank in the nation. It was established in 1999 and as of December of 2018, it had grown to 97 employees at 9 locations. Citizens First Bank, Inc.'s CD rates are 3X the national average, and it boasts an A+ health rating.

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Health Grade Components

FDIC Certificate #35022
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD10.21%
Annual Interest Income$20.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$475.7MM$465.1MM
LoansQ4 2018vs Q4 2017$367.4MM$369.9MM
DepositsQ4 2018vs Q4 2017$389.8MM$373.3MM
Equity CapitalQ4 2018vs Q4 2017$53.9MM$50.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$4.4MM$4.7MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.3MM$1.3MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Citizens First Bank, Inc.; 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, Inc. Savings Account Rates

3.03%$100-Flex IRA
0.25%--Christmas Club Account
0.10%$200-Primary Savings Account
0.05%--Health Savings Account

Citizens First Bank, Inc. Money Market Rates

1.75%*$5m*-Commercial Money Market Account
OTHER TIERS: 0.25% $2.5k - $250k | 0.50% $250k - $1m | 1.25% $1m - $5m
0.50%*$250k*-Personal Money Market Account
OTHER TIERS: 0.15% $2.5k - $50k | 0.25% $50k - $250k

Citizens First Bank, Inc. Checking Account Rates

2.27%-$25kPlatinum Plus Checking
0.75%*$100k*-BAM! Checking with Interest
OTHER TIERS: 0.25% $5k - $50k | 0.50% $50k - $100k
0.10%--Commercial Interest Analysis Account
0.05%$2.5k-Commercial Plus Checking Account

Citizens First Bank, Inc. CD Rates

3.00%$500-60 Month CD
2.75%$500-48 Month CD
2.60%$500-18 Month CD
2.52%$2.5k-12 Month Prime Rate CD
2.00%$2.5k-36 Month Flex CD
1.90%$500-12 Month CD
1.50%$500-24 Month CD
1.50%$500-36 Month CD
0.75%$500-6 Month CD
0.50%$500-3 Month CD
0.25%$5k-1 Month CD

Citizens First Bank, Inc. IRA Rates

3.00%$500-60 Month IRA
2.75%$500-48 Month IRA
2.60%$500-18 Month IRA
2.52%$2.5k-12 Month Prime Rate IRA
2.52%$100-18 Month Flex IRA Special
2.00%$2.5k-36 Month Flex IRA
1.90%$500-12 Month IRA
1.50%$500-24 Month IRA
1.50%$500-36 Month IRA
0.75%$500-6 Month IRA
0.50%$500-3 Month IRA
0.25%$5k-1 Month IRA

Citizens First Bank, Inc. Locations
Franklin Branch1200 South Main StreetFranklin, KY 42134
Scottsville Rd Branch1700 Scottsville RoadBowling Green, KY 42103
Citizens First Bank, Inc.1805 Campbell LaneBowling Green, KY 42104
Horse Cave Branch204 Main StreetHorse Cave, KY 42749
Glasgow Branch607 South L. Rogers Wells BoulevardGlasgow, KY 42141
Munfordville Branch656 North Main StreetMunfordville, KY 42765
West Cherry Branch760 West Cherry StreetGlasgow, KY 42141
Lehman Avenue Branch987 Lehman AvenueBowling Green, KY 42104

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