Citizens First Bank

BankClinton, Iowa
www.gocfb.bank

Total Assets

$359.3M

Total Deposits

$280.1M

Branches

3

Established

2000

TFS Health Grade

$
D-

60.6 / 100

Below average financial health

How we grade

Citizens First Bank is a bank headquartered in Clinton, Iowa, established in 2000. With $359.3M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D- (60.6/100).

Capital & Safety

Tier 1 Capital Ratio
8.22%(8%)
Total Capital Ratio
11.09%(10%)
Non-Performing Loan Ratio
2.01%

Profitability

Return on Assets (ROA)
0.32%(1%)
Return on Equity (ROE)
5.62%(10%)
Net Interest Margin
2.81%
Efficiency Ratio
73.73%(60%)

Lending & Liquidity

Total Loans
$276.3M
Loan-to-Deposit Ratio
97.48%
Net Charge-Off Ratio
0.65%

Growth

Asset Growth (YoY)
+11.83%
Deposit Growth (YoY)
+9.02%
Net Income
$1.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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