B
Citizens First Bank
Rating Date
April 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens First Bank
The Villages, FL
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Rating B
Asset Quality Index 9.30
Capitalization Index 10.00
Liquidity Index 6.40
Profitability Index 4.90
Stability Index 9.00
Company Info Citizens First Bank
The Villages, FL
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FDIC Number 33440
Phone Number (352) 753-9515
Website www.citizensfb.com
Asset Quality Citizens First Bank
The Villages, FL
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1-Year Asset Growth 6.99%
5-Year Asset Growth 12.38%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.42%
Non-Performing Loans to Loans 0.17%
Balance Sheet Citizens First Bank
The Villages, FL
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Total Assets 3.99B
Total Deposits 3.35B
Capital and Reserves Citizens First Bank
The Villages, FL
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Capital 406.65M
Leverage Ratio 12.50
Loan Loss Reserves to Loans 1.78%
Risk-Based Capital Ratio 20.27
Liquidity Citizens First Bank
The Villages, FL
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Hot Money Ratio 12.18%
Liquidity Ratio 57.48%
Profitability Citizens First Bank
The Villages, FL
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5-Year Return on Average Assets 1.56%
Net Income 39.54M
Net Interest Spread 2.59%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 52.38%
Return on Assets 1.00%
Return on Equity 10.02%