Citizens First State Bank

Overview / Commentary
105 North Main Street
Walnut, IL 61376

Citizens First State Bank is headquartered in Walnut and is the 367th largest bank in the state of Illinois. It is also the 4,861st largest bank in the nation. It was established in 1920 and as of September of 2019, it had grown to 8 employees at 1 location. Citizens First State Bank's money market rates are 14% higher than the national average, and it has a B health rating.


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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 First State Bank has a low asset base.

Health Grade Components

FDIC Certificate #939
Year Established1920
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.99%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$47.3MM$45.4MM
LoansQ3 2019vs Q3 2018$25.4MM$23.5MM
DepositsQ3 2019vs Q3 2018$42.9MM$41.8MM
Equity CapitalQ3 2019vs Q3 2018$4.3MM$3.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$317.00K$319.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$62.00K$68.00K
Real Estate OwnedQ3 2019vs Q3 2018$100.00K$100.00K
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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 State Bank Savings Account Rates

0.25%$100-Regular Savings

Citizens First State Bank Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.15% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k

Citizens First State Bank Checking Account Rates

0.25%$1k-Interest Checking

Citizens First State Bank CD Rates

2.21%$2.5k-60 Month CD
1.71%$2.5k-48 - 59 Month CD
1.51%$2.5k-36 - 47 Month CD
1.40%$2.5k-30 - 35 Month CD
1.30%$2.5k-24 - 29 Month CD
1.20%$2.5k-18 - 23 Month CD
1.00%$2.5k-12 - 17 Month CD
0.80%$2.5k-6 - 11 Month CD
0.50%$2.5k-91 - 181 Day CD
0.30%$25k-30 - 90 Day CD

Citizens First State Bank IRA Rates

1.46%$2.5k-30 Month IRA CD Special

Citizens First State Bank Locations
Citizens First State Bank Of Walnut105 North Main StreetWalnut, IL 61376

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