Total Assets
$260M
Total balance-sheet footings
FDIC Cert #4511 · Storm Lake, Iowa · Est. 1902
The Citizens First National Bank of Storm Lake - FDIC Bank Health Profile
A community-scale look at The Citizens First National Bank of Storm Lake's own numbers, pulled straight from its quarterly FDIC Call Report.
- $260M
- Total assets
- A
- Health grade · Excellent
- 2.64%
- Return on assets
- 25.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens First National Bank of Storm Lake earns a PlainBankData health grade of A (97/100), with well-capitalized at 25.16% Tier 1, profitable at 2.64% ROA, efficient (52% cost ratio).
- #2,693
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 25.16%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Citizens First National Bank of Storm Lake's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens First National Bank of Storm Lake's composite health score
Tier 1 Capital Ratio (25.16%) 40/40
Return on Assets (ROA) (2.64%) 25/25
Texas Ratio (0.27%) 20/20
Efficiency Ratio (51.69%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$218M
Customer-funded liabilities
Net Loans
$144M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens First National Bank of Storm Lake ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens First National Bank of Storm Lake's score of 97/100 falls in the highlighted band.
The Citizens First National Bank of Storm Lake'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). The Citizens First National Bank of Storm Lake's $260M falls in the highlighted band.
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
25.16%
Texas Ratio
0.27%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.64%
Return on Equity (ROE)
19.10%
Efficiency Ratio
51.69%
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. It holds $260M in total assets - 2,693rd of 4,313 FDIC-insured banks, $218M in customer deposits, and $144M in net loans. Looking at capital strength, Tier 1 stands at 25.16%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.27%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, The Citizens First National Bank of Storm Lake ranks 122nd of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$4M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens First National Bank of Storm Lake reports a Texas Ratio of 0.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens First National Bank of Storm Lake (FDIC Cert #4511) - 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.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
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 A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
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, ranking 2,693rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Storm Lake, Iowa.
Is my money safe at The Citizens First National Bank of Storm Lake?▼
Yes, deposits at The Citizens First National Bank of Storm Lake (Certificate #4511) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for The Citizens First National Bank of Storm Lake?▼
The Citizens First National Bank of Storm Lake has a Texas Ratio of 0.27%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read The Citizens First National Bank of Storm Lake's profile as a depositor or analyst.
- The Citizens First National Bank of Storm Lake's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens First National Bank of Storm Lake against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.