Institution Class	Commercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary Regulator	OCC
Established Date	02/01/1902
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	50588
State and County Number	19021
Subchapter S Corporations	Yes
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	07
Numeric code	3
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Kansas City
Core Based Statistical Area Name	Storm Lake, IA

Operational Info

Number of Employees	47
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	01/01/1934
Primary Insurance Agency	DIF
Website	www.citizensfnb.com
Data Updated	10/31/2025
CERT	4511
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$256.03M
Total Deposits	$213.76M
Total Liabilities	$218.87M
Total Equity Capital	$0
Net Income	$1.60M
Net Loans and Leases	$146.04M
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
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	0%
Earning Assets to total Assets	0%

Income and Expense

Total Interest Income	$3.37M
Total Noninterest Income	$823.00k
Total Interest Expense	$785.00k
Total Noninterest Expense	$1.81M
Net Interest Income	$2.59M
Pre-tax Net Operating Income	$0
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	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
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

About The Citizens First National Bank of Storm Lake

Explore the latest call report data for The Citizens First National Bank of Storm Lake. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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Frequently Asked Questions

What are the total assets of The Citizens First National Bank of Storm Lake?

$256.03M as of the latest filing.

How much are The Citizens First National Bank of Storm Lake's total deposits?

$213.76M in total deposits.

Where is The Citizens First National Bank of Storm Lake located?

Storm Lake, IA.

What is the Net Interest Margin?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

When was it established?

02/01/1902.

Who is the primary regulator?

OCC.