A
Citizens First Bank
Rating Date
April 2025
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Citizens First Bank
The Villages, FL
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Rating A
Asset Quality Index 9.40
Capitalization Index 10.00
Liquidity Index 6.40
Profitability Index 5.20
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 6.66%
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 0.30%
Non-Performing Loans to Loans 0.13%
Balance Sheet Citizens First Bank
The Villages, FL
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Total Assets 4.08B
Total Deposits 3.47B
Capital and Reserves Citizens First Bank
The Villages, FL
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Capital 439.28M
Leverage Ratio 12.85
Loan Loss Reserves to Loans 1.75%
Risk-Based Capital Ratio 20.52
Liquidity Citizens First Bank
The Villages, FL
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Hot Money Ratio 11.60%
Liquidity Ratio 59.41%
Profitability Citizens First Bank
The Villages, FL
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5-Year Return on Average Assets 1.36%
Net Income 11.46M
Net Interest Spread 2.66%
Operating Profit to Average Assets 1.47%
Overhead Efficiency Ratio 52.41%
Return on Assets 1.11%
Return on Equity 10.84%