Bank · FDIC insured
Citizens First Bank
A $361.3M bank headquartered in Clinton, IA, with 3 branches in Iowa.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—3.04%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens First Bank
Citizens First Bank is committed to developing and supporting the growth of its local community.
- Headquarters
- 1442 Lincoln Way, Clinton, IA 52732
- FDIC certificate
- 35477 ↗
Branches
3 branches in Iowa
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Iowa
3 branches
Clinton area · 2
- Citizens First BankMain office1442 Lincoln Way, Clinton, IA 52732Directions
- Mid-Town Branch1329 N 2nd St, Clinton, IA 52732Directions
Camanche area · 1
- Camanche Branch403 S Washington Blvd, Camanche, IA 52730Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.24% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.71% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.13% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $103 | $81 | — |
- CapitalLeverage ratio8.24%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.71%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.13%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$103Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens First Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.