Citizens First Bank
The Villages, FL · Cert 33440 · Peer group: banks $1B-$10B in assets operating in a single state (n=296)
FDIC · 20 branches
Q3 2025
$4.1BAssets
$1.3BLoans
$3.4BDeposits
$501.1MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 113 of 296).
- Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating in a single state (rank 246 of 296).
- Overall: at or above the peer median on 8 of 10 directional measures.
Return on Assets
1.27%
Rank 97 of 296
Net Interest Margin
2.69%
Rank 246 of 296
Efficiency Ratio
49.93%
Rank 48 of 296
Equity / Assets
12.33%
Rank 55 of 296
Non-interest income vs. expense
Unfavorable gap of $43.2M · efficiency ratio beats 84% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.77% | 1.07% | 1.38% | Beats 67% | 97 / 296 | |
| Return on Equity | 10.28% | 7.55% | 10.76% | 13.42% | Beats 46% | 159 / 296 | |
| Net Interest Margin | 2.69% | 2.88% | 3.24% | 3.68% | Beats 17% | 246 / 296 | |
| Efficiency Ratio | 49.93% | 52.80% | 62.88% | 70.94% | Beats 84% | 48 / 296 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.17% | 0.41% | 0.80% | Beats 86% | 42 / 296 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 81% | 57 / 296 | |
| Capital |
| Tier 1 Capital Ratio | 21.18% | 11.72% | 13.34% | 14.99% | Beats 95% | 16 / 296 | |
| Total Risk-Based Capital Ratio | 22.15% | 12.42% | 14.27% | 16.08% | Beats 95% | 16 / 296 | |
| Equity / Assets | 12.33% | 8.96% | 10.04% | 11.70% | Beats 81% | 55 / 296 | |
| Liquidity & Funding |
| Loans / Deposits | 37.24% | 73.47% | 85.12% | 95.24% | 2nd pctl | 289 / 296 | |
| Loans / Assets | 31.32% | 64.08% | 71.94% | 78.21% | 2nd pctl | 290 / 296 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 1.27% | 7.13% | Beats 100% | 113 / 296 | |