BlastPoint's Banking Scorecard
Citizens First Bank
Micro
Specialty: Commercial
IA
FDIC cert 35477
Designations: ✓ Community bank
Clinton, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Citizens First Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.3M
+11.8% YoY
+4.0% QoQ
|
+$141.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$273.0M
+16.0% YoY
+6.2% QoQ
|
+$133.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$280.1M
+9.0% YoY
-0.4% QoQ
|
+$96.4M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.32%
-55.5% YoY
+596.5% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.81%
+3.5% YoY
+4.2% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
73.73%
-0.8% YoY
-3.6% QoQ
|
+6.00% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
2.04%
-10.3% YoY
+43.2% QoQ
|
+1.40% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
97.48%
+6.4% YoY
+6.6% QoQ
|
+22.95% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.09%
-22.9% YoY
+9.1% QoQ
|
-10.31% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.55%
-7.0% YoY
+0.9% QoQ
|
+1.10% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
9.96%
-5.8% YoY
-0.2% QoQ
|
+1.11% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.55%
-9.8% YoY
+31.7% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Loans
Current: $273.0M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $359.3M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $280.1M · Tier avg: $183.7M
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.96% · Tier avg: 8.85%
31
31th pctile
Efficiency Ratio
Current: 73.73% · Tier avg: 67.73%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.09% · Tier avg: 22.39%
13
13th pctile
Delinquency Rate
Current: 2.04% · Tier avg: 0.64%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.48% · Tier avg: 74.53%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.55% · Tier avg: 0.45%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.55% · Tier avg: 0.45%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.48% · Tier avg: 74.53%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
13
13th pctile
Delinquency Rate
Current: 2.04% · Tier avg: 0.64%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.09% · Tier avg: 22.39%
31
31th pctile
Efficiency Ratio
Current: 73.73% · Tier avg: 67.73%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.96% · Tier avg: 8.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
78
78th pctile
Total Deposits
Current: $280.1M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $359.3M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $273.0M · Tier avg: $139.2M