Total Assets
$260M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Citizens First National Bank of Storm Lake — FDIC Bank Health Profile
Storm Lake, Iowa · Est. 1902. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #4511 Kansas City Region
B
Health grade
Good
Score: 77/100
Basel III capital ratios — The Citizens First National Bank of Storm Lake
Total Deposits
$218M
Customer-funded liabilities
Net Loans
$144M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
25.16% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
25.16%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$38M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.64%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
19.10%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
51.69%
Income & Expense Breakdown
$13M
Interest Income
$4M
Non-Interest Income
$7M
Non-Interest Expense
FDIC Deposit Insurance
The Citizens First National Bank of Storm Lake is FDIC-insured (Certificate #4511). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Citizens First National Bank of Storm Lake
The Citizens First National Bank of Storm Lake is an FDIC-insured institution (Certificate #4511) headquartered in Storm Lake, Iowa, established in 1902. The bank currently holds $260M in total assets and $218M in customer deposits, with $144M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Citizens First National Bank of Storm Lake reports a Tier 1 Capital Ratio of 25.16% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $38M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.64% and a Return on Equity of 19.10%, with an Efficiency Ratio of 51.69% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (77/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Citizens First National Bank of Storm Lake is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Iowa by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Citizens First National Bank of Storm Lake (FDIC Cert #4511) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal Bank Des Moines | $9.3B | B | 1.24% |
| Bankers Trust Company Des Moines | $7.5B | C | 1.10% |
| MidWestOne Bank Iowa City | $6.3B | B | 1.12% |
| Hills Bank and Trust Company Hills | $4.6B | D | 1.36% |
| West Bank West Des Moines | $4.1B | C | 0.94% |
| Northwest Bank Spencer | $3.0B | C | 1.03% |
| Cedar Rapids Bank and Trust Company Cedar Rapids | $2.9B | B | 2.83% |
| Quad City Bank and Trust Company Bettendorf | $2.7B | B | 1.30% |
Frequently Asked Questions
What is The Citizens First National Bank of Storm Lake's health grade? ▼
The Citizens First National Bank of Storm Lake receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Citizens First National Bank of Storm Lake? ▼
The Citizens First National Bank of Storm Lake holds $260M in total assets and $218M in deposits. It is headquartered in Storm Lake, Iowa.
Is my money safe at The Citizens First National Bank of Storm Lake? ▼
Yes. The Citizens First National Bank of Storm Lake is FDIC-insured (Certificate #4511). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Citizens First National Bank of Storm Lake's Tier 1 Capital Ratio? ▼
The Citizens First National Bank of Storm Lake has a Tier 1 Capital Ratio of 25.16%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Citizens First National Bank of Storm Lake? ▼
The Citizens First National Bank of Storm Lake has an Efficiency Ratio of 51.69%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.