Citizens First Bank
The Villages, FL · Cert 33440 · Peer group: banks $1B-$10B in assets operating in a single state (n=300)
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 110 of 300).
- Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating in a single state (rank 248 of 300).
- Overall: at or above the peer median on 8 of 10 directional measures.
Return on Assets
1.27%
Rank 98 of 300
Net Interest Margin
2.69%
Rank 248 of 300
Efficiency Ratio
49.93%
Rank 47 of 300
Equity / Assets
12.33%
Rank 53 of 300
Non-interest income vs. expense
Unfavorable gap of $43.2M · efficiency ratio beats 85% 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% | 1.06% | 1.38% | Beats 67% | 98 / 300 | |
| Return on Equity | 10.28% | 7.55% | 10.62% | 13.50% | Beats 47% | 158 / 300 | |
| Net Interest Margin | 2.69% | 2.87% | 3.23% | 3.70% | Beats 17% | 248 / 300 | |
| Efficiency Ratio | 49.93% | 53.29% | 62.72% | 70.47% | Beats 85% | 47 / 300 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.17% | 0.39% | 0.80% | Beats 86% | 42 / 300 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 81% | 58 / 300 | |
| Capital |
| Tier 1 Capital Ratio | 21.18% | 11.71% | 13.33% | 14.99% | Beats 94% | 17 / 300 | |
| Total Risk-Based Capital Ratio | 22.15% | 12.39% | 14.25% | 16.08% | Beats 94% | 17 / 300 | |
| Equity / Assets | 12.33% | 8.96% | 10.02% | 11.69% | Beats 82% | 53 / 300 | |
| Liquidity & Funding |
| Loans / Deposits | 37.24% | 73.76% | 85.63% | 95.78% | 2nd pctl | 293 / 300 | |
| Loans / Assets | 31.32% | 64.08% | 72.41% | 78.88% | 2nd pctl | 294 / 300 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 1.56% | 7.51% | Beats 100% | 110 / 300 | |