Overview / Commentary
Citizens First State Bank is headquartered in Walnut and is the 377th largest bank in the state of Illinois. It is also the 4,961st largest bank in the nation. It was established in 1920 and as of March of 2019, it had grown to 10 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.
Health
B
Data as of Q1 2019
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| FDIC Certificate # | 939 |
| Year Established | 1920 |
| Employees | 10 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.61% |
| Return on Equity - YTD | 7.31% |
| Annual Interest Income | $406.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $46.5MM$46.2MM |
| Loans | Q1 2019vs Q1 2018 | $24.3MM$23.0MM |
| Deposits | Q1 2019vs Q1 2018 | $42.5MM$42.7MM |
| Equity Capital | Q1 2019vs Q1 2018 | $4.0MM$3.5MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $340.00K$307.00K |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $67.00K$71.00K |
| Real Estate Owned | Q1 2019vs Q1 2018 | $100.00K$100.00K |
Rates
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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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | $100 | - | Regular Savings |
Citizens First State Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.76% | - | - | eBlue | |
| 0.25% | $1k | - | Interest Checking |
Citizens First State Bank CD Rates
Citizens First State Bank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.46% | $2.5k | - | 30 Month IRA CD Special |
Locations
| Citizens First State Bank Locations | ||
|---|---|---|
| Citizens First State Bank Of Walnut | 105 North Main Street | Walnut, IL 61376 |