B
Citizens First National Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens First National Bank
Storm Lake, IA
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 3.80
Profitability Index 8.30
Stability Index 7.00
Company Info Citizens First National Bank
Storm Lake, IA
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FDIC Number 4511
Phone Number (712) 732-5440
Website www.citizensfnb.com
Asset Quality Citizens First National Bank
Storm Lake, IA
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1-Year Asset Growth 3.65%
5-Year Asset Growth 0.76%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.27%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens First National Bank
Storm Lake, IA
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Total Assets 260.22M
Total Deposits 217.70M
Capital and Reserves Citizens First National Bank
Storm Lake, IA
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Capital 37.63M
Leverage Ratio 14.18
Loan Loss Reserves to Loans 1.63%
Risk-Based Capital Ratio 26.41
Liquidity Citizens First National Bank
Storm Lake, IA
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Hot Money Ratio 18.72%
Liquidity Ratio 43.75%
Profitability Citizens First National Bank
Storm Lake, IA
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5-Year Return on Average Assets 0.51%
Net Income 6.72M
Net Interest Spread 4.04%
Operating Profit to Average Assets 2.62%
Overhead Efficiency Ratio 51.69%
Return on Assets 2.62%
Return on Equity 19.06%