Citizens First Bank
Clinton, IA · Cert 35477 · Peer group: banks under $1B in assets in IA (n=134-135) · CFB Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$361.3MAssets
$286.5MLoans
$278.7MDeposits
$23.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 80% of banks under $1B in assets in IA (rank 27 of 135).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in IA (rank 134 of 135).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.92%
Rank 103 of 135
Net Interest Margin
3.05%
Rank 93 of 135
Efficiency Ratio
63.54%
Rank 104 of 135
Equity / Assets
6.54%
Rank 134 of 135
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 24% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.92% | 1.19% | 1.47% | Beats 24% | 103 / 135 | |
| Return on Equity | 14.10% | 7.99% | 10.26% | 13.14% | Beats 80% | 27 / 135 | |
| Net Interest Margin | 3.05% | 2.95% | 3.41% | 3.73% | Beats 31% | 93 / 135 | |
| Efficiency Ratio | 63.54% | 50.61% | 57.35% | 63.29% | Beats 24% | 104 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.71% | 0.03% | 0.51% | 1.26% | Beats 16% | 113 / 134 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.03% | Beats 16% | 114 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 11.23% | 13.31% | 15.45% | Beats 5% | 128 / 135 | |
| Total Risk-Based Capital Ratio | 11.09% | 11.61% | 14.06% | 16.47% | Beats 17% | 112 / 135 | |
| Equity / Assets | 6.54% | 9.87% | 11.05% | 13.07% | Beats 1% | 134 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 102.81% | 68.54% | 81.55% | 91.24% | 91st pctl | 12 / 134 | |
| Loans / Assets | 79.30% | 57.61% | 68.06% | 76.23% | 84th pctl | 21 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |