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Citizens First State Bank


Overview / Commentary
www.citizensfirststatebank.com
815-379-2141
105 North Main Street
Walnut, IL 61376

Citizens First State Bank is headquartered in Walnut and is the 344th largest bank in the state of Illinois. It is also the 4,571st largest bank in the nation. It was established in 1920 and as of September of 2021, it had grown to 7 employees at 1 location. Citizens First State Bank has a B+ health rating.

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Health
B+

Data as of Q3 2021

Learn why bank health matters
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 relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #939
Year Established1920
Employees7
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.21%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$55.1MM$53.3MM
LoansQ3 2021vs Q3 2020$21.7MM$25.5MM
DepositsQ3 2021vs Q3 2020$50.1MM$48.4MM
Equity CapitalQ3 2021vs Q3 2020$4.9MM$4.8MM
Loan Loss AllowanceQ3 2021vs Q3 2020$278.00K$270.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$181.00K$160.00K
Real Estate OwnedQ3 2021vs Q3 2020$52.00K$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Savings
0.05%$100-Business Regular Savings

Citizens First State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k | 0.05% → $10k - $25k | 0.07% → $25k - $50k
0.10%*$50k*-Business Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k | 0.05% → $10k - $25k | 0.07% → $25k - $50k

Citizens First State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--eBlue
0.25%--Business eBlue
0.05%$1k-Interest Checking
0.05%$1k-Business Interest Checking

Citizens First State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$2.5k-60 Month CD
0.50%$2.5k-Business 60 Month CD
0.40%$2.5k-48 - 59 Month CD
0.40%$2.5k-Business 48 - 59 CD
0.30%$2.5k-30 - 35 Month CD
0.30%$2.5k-36 - 47 Month CD
0.30%$2.5k-Business 30 - 35 CD
0.30%$2.5k-Business 36 - 47 CD
0.25%$2.5k-18 - 23 Month CD
0.25%$2.5k-24 - 29 Month CD
0.25%$2.5k-Business 18 - 23 CD
0.25%$2.5k-Business 24 - 29 CD
0.20%$2.5k-12 - 17 Month CD
0.20%$2.5k-Business 12 - 17 CD
0.10%$25k-30 - 90 Day CD
0.10%$2.5k-91 - 181 Day CD
0.10%$2.5k-6 - 11 Month CD
0.10%$25k-Business 30 - 90 Day CD
0.10%$2.5k-Business 91 - 181 Day CD
0.10%$2.5k-Business 6 - 11 CD

Citizens First State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2.5k-30 Month IRA CD Special
0.30%$2.5k-Business 30 Month IRA CD Special
Locations


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

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