FDIC Cert #35477 · Clinton, Iowa · Est. 2000

Citizens First Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$359M
Total assets
D
Health grade · Weak
0.32%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Citizens First Bank earns a PlainBankData health grade of D (39/100), with 9.96% Tier 1 capital, 0.32% ROA, 74% efficiency ratio.

#2,245
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
9.96%
Tier 1 ratio - below the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 35477 · IA D · 39/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (39/100)
  • BOTTOM-DECILE #4242/4307
  • PHOTO-FINISH Flagstar Bank, Natio… · NY
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-HEALTHY 21.4% Texas
  • ROA-THIN 0.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Flagstar Bank, National Association, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens First Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens First Bank · IA · t…39/100Flagstar Bank, Natio… · NY ·…39/100Modern Bank, Nationa… · NY ·…39/100Outdoor Bank · KS · near39/100Sterling Federal Ban… · IL ·…39/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens First Bank · July 2026

What Citizens First Bank's Call Report plate shows

Citizens First Bank (FDIC Cert #35477) carries a PlainBankData health grade of D at 39/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,242 of 4,307. Tier 1 capital prints at 9.96%, missing the 10% well-capitalized line. The Texas Ratio is 21.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.32%. Balance-sheet scale is $359M, 2,245th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Flagstar Bank, National Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens First Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Citizens First Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens First Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Citizens First Bank's 39/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10039/100
Citizens First Bank's composite health score
Tier 1 Capital Ratio (9.96%) 18/40
Return on Assets (ROA) (0.32%) 7/25
Texas Ratio (21.44%) 10/20
Efficiency Ratio (73.73%) 4/15

39 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$359M

Total balance-sheet footings

Total Deposits

$280M

Customer-funded liabilities

Net Loans

$273M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.56% 9.96% 11.36%
Basel III capital ratios - Citizens First Bank

Where Citizens First Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens First Bank's score of 39/100 falls in the highlighted band.

Citizens First Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

39 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens First Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens First Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens First Bank's $359M falls in the highlighted band.

Safety ratios for Citizens First Bank

Tier 1 capital ratio
Well-capitalized 10%

9.96% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.96%
Texas Ratio
21.44%
Equity Capital
$23M

What these ratios mean →

Profitability metrics: Citizens First Bank

Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
5.62%
Efficiency Ratio
73.73%

What these mean →

Income & expense at Citizens First Bank

$18M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens First Bank reports a Texas Ratio of 21.44% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

21.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Citizens First Bank

Citizens First Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.96% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Citizens First Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Citizens First Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($359M here), outside Iowa so the neighborhood is not state containment.

Midwest Independent BankersBank $359M · MO Merchants & Planters' Bank $359M · AR First Shore Federal Savings and Loan… $359M · MD FlatIrons Bank $360M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens First Bank (FDIC Cert #35477) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens First Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%