Citizens First Bank
Clinton, IA
IDRSSD: 2882983
Total Assets
$345.50M
Latest filing
Total Deposits
$281.11M
Latest filing
Net Interest Margin
2.84%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens First Bank
1442 Lincoln Way
Clinton, IA 52732
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/14/2000FDIC Certificate 80561
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens First Bank (Main) | 1442 Lincoln Way | Clinton, IA |
| MID-TOWN BRANCH | 1329 N 2nd St | Clinton, IA |
| CAMANCHE BRANCH | 403 S Washington Blvd | Camanche, IA |
Showing 2 of 2
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 | 03/14/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52732 |
| State and County Number | 19045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Clinton, IA |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 03/14/2000 |
| Primary Insurance Agency | DIF |
| Website | www.gocfb.bank |
| Data Updated | 11/14/2025 |
| CERT | 35477 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $345.50M |
| Total Deposits | $281.11M |
| Total Liabilities | $324.88M |
| Total Equity Capital | $20.61M |
| Net Income | $740.00k |
| Net Loans and Leases | $257.03M |
| Assets Per Employee ($Millions) | $6.64M |
| Bank Premises and Fixed Assets | $3.23M |
| Cash and Balances due from Depository Institutions | $7.88M |
| Deposits Held in Domestic Offices | $281.11M |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 14.99% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 66.99% |
| Tier 1 Risk-Based Capital Ratio | 9.99% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.967% |
| Earning Assets to total Assets | 94.56% |
Income and Expense
| Total Interest Income | $4.56M |
| Total Noninterest Income | $497.00k |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $1.87M |
| Net Interest Income | $2.29M |
| Pre-tax Net Operating Income | $772.00k |
| Provision for Credit Losses | $149.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.65M |
| Other borrowed funds | $41.51M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.68M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.26M |
| Total Liabilities and Capital | $345.50M |
Securities
| Securities | $65.28M |
| Available-for-sale debt securities | $65.28M |
| 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?
$345.50M as of the latest filing.
How much are Citizens First Bank's total deposits?
$281.11M in total deposits.
Where is Citizens First Bank located?
Clinton, IA.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
3.
When was it established?
03/14/2000.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$257.03M (latest filing).
What is the total interest income (latest filing)?
$4.56M.