Citizens First National Bank
Storm Lake, IA · Cert 4511 · Peer group: banks under $1B in assets in IA (n=134-135) · FNC Inc.
National charter · OCC · 3 branches
Q2 2026
$256.5MAssets
$137.7MLoans
$210.5MDeposits
$39.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 95% of banks under $1B in assets in IA (rank 7 of 135).
- Widest gap: net charge-offs / loans trails 47% of banks under $1B in assets in IA (rank 64 of 134).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.95%
Rank 7 of 135
Net Interest Margin
4.08%
Rank 14 of 135
Efficiency Ratio
51.89%
Rank 40 of 135
Equity / Assets
15.36%
Rank 20 of 135
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 71% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.95% | 0.92% | 1.19% | 1.47% | Beats 95% | 7 / 135 | | |
| Return on Equity | 12.71% | 7.99% | 10.26% | 13.14% | Beats 71% | 39 / 135 | | |
| Net Interest Margin | 4.08% | 2.95% | 3.41% | 3.73% | Beats 90% | 14 / 135 | | |
| Efficiency Ratio | 51.89% | 50.61% | 57.35% | 63.29% | Beats 71% | 40 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.51% | 1.26% | Beats 75% | 34 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 53% | 64 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 27.33% | 11.23% | 13.31% | 15.45% | Beats 93% | 9 / 135 | | |
| Total Risk-Based Capital Ratio | 28.58% | 11.61% | 14.06% | 16.47% | Beats 93% | 9 / 135 | | |
| Equity / Assets | 15.36% | 9.87% | 11.05% | 13.07% | Beats 85% | 20 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.40% | 68.54% | 81.55% | 91.24% | 19th pctl | 108 / 134 | | |
| Loans / Assets | 53.68% | 57.61% | 68.06% | 76.23% | 18th pctl | 111 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |