Citizens First Bank
The Villages, FL
IDRSSD: 1867983
Total Assets
$4.06B
Latest filing
Total Deposits
$3.42B
Latest filing
Net Interest Margin
3.06%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens First Bank
1050 Lake Sumter Lndg
The Villages, FL 32162
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1991FDIC Certificate 47125
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Citizens First Bank (Main) | 1050 Lake Sumter Lndg | The Villages, FL |
| MAIN STREET BRANCH | 1129 Main St | The Villages, FL |
| SPANISH PLAINES BRANCH | 1500 Banderos Ave | The Villages, FL |
| MULBERRY GROVE BRANCH | 8590 Se 165th Mulberry Ln | The Villages, FL |
| SOUTHERN TRACE BRANCH | 3430 Southern Trce | The Villages, FL |
| LAKE SUMTER LANDING DRIVE-THRU BRANCH | 1130 Old Camp Road | The Villages, FL |
| COLONY PLAZA BRANCH | 395 Colony Blvd | The Villages, FL |
| BROWNWOOD BRANCH | 2601 W Torch Lake Dr | The Villages, FL |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1991 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 32162 |
| State and County Number | 12119 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | The Villages, FL |
Operational Info
| Number of Employees | 403 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1991 |
| Primary Insurance Agency | DIF |
| Website | www.citizensfb.com |
| Data Updated | 11/14/2025 |
| CERT | 33440 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.06B |
| Total Deposits | $3.42B |
| Total Liabilities | $3.56B |
| Total Equity Capital | $501.13M |
| Net Income | $15.51M |
| Net Loans and Leases | $1.25B |
| Assets Per Employee ($Millions) | $10.34M |
| Bank Premises and Fixed Assets | $57.71M |
| Cash and Balances due from Depository Institutions | $33.12M |
| Deposits Held in Domestic Offices | $3.42B |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 12.86% |
| Net Interest Margin | 3.06% |
| Efficiency Ratio | 44.45% |
| Tier 1 Risk-Based Capital Ratio | 21.179% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.328% |
| Earning Assets to total Assets | 96.04% |
Income and Expense
| Total Interest Income | $44.31M |
| Total Noninterest Income | $7.11M |
| Total Interest Expense | $14.40M |
| Total Noninterest Expense | $16.45M |
| Net Interest Income | $29.91M |
| Pre-tax Net Operating Income | $20.56M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $557.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $111.43M |
| Federal Funds Purchased and Repurchased Agreement | $103.69M |
| All Other Liabilities | $41.78M |
| Total Liabilities and Capital | $4.06B |
Securities
| Securities | $2.53B |
| Available-for-sale debt securities | $2.53B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens First Bank?
$4.06B as of the latest filing.
How much are Citizens First Bank's total deposits?
$3.42B in total deposits.
Where is Citizens First Bank located?
The Villages, FL.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
20.
When was it established?
07/01/1991.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$1.25B (latest filing).
What is the total interest income (latest filing)?
$44.31M.