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

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	8-Qtr Trend
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	n/a