Citizens Community Federal National Association

Headquarters

219 Fairfax Street
Altoona, WI 54720
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.50% 1.15% →
2-Year CD 0.50% 1.26% →
5-Year CD 0.60% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Citizens Community Federal National Association is an FDIC insured institution located in Altoona, WI. It was founded in 2001 and has approximately $1.53 billion in assets. Customers can open an account at one of its 33 branches.

FDIC Insured Yes
FDIC Certificate # 57265
Date Established 2001
Assets $ 1,531.13 million
Loans $ 1,172.95 million
Deposits $ 1,203.10 million
Capital $ 188.59 million
 

For a more detailed analysis of Citizens Community Federal National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $1 - Learn More
Money Market
0.20% $1 $49,999 Learn More
Premium Money Market Account
0.05% $1 $24,999 Learn More
Premium Money Market Account
0.15% $25,000 $99,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $1,000 - Learn More
6 Mo CD
0.45% $1,000 - Learn More
Special: 11 Mo CD
0.75% $5,000 $250,000 Learn More
12 Mo CD
0.50% $1,000 - Learn More
18 Mo CD
0.50% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
36 Mo CD
0.55% $1,000 - Learn More
48 Mo CD
0.60% $1,000 - Learn More
60 Mo CD
0.60% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Special: 11 Mo FIRA
0.75% $5,000 $250,000 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.25% $200 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.01% $1 $4,999 Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens Community Federal National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Citizens Community Federal National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Citizens Community Federal National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Citizens Community Federal National Association Locations


Financial Details

Citizens Community Federal National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Community Federal National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens Community Federal National Association U.S. Bank Average
9.9% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Citizens Community Federal National Association had $18,268,000 in non-current loans and $1,428,000 in owned real estate. To cover these potential losses it had $188,594,000 in equity and $10,320,000 in loans loss reserves. That gives it a Texas Ratio of 9.9%.

Return on Equity
Citizens Community Federal National Association U.S. Bank Average
7.11% 9.41%

Citizens Community Federal National Association has a Return on Equity of 7.11% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens Community Federal National Association U.S. Bank Average
12.32% 12.82%

Citizens Community Federal National Association has a Capitalization of 12.32% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Community Federal National Association Balance Sheet Analysis

As of December 31, 2019, Citizens Community Federal National Association had assets of $1,531,129,000, loans of $1,172,953,000, and deposits of $1,203,097,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 60.14 million
Interest-bearing balances $ 31.51 million
Total securities $ 183.22 million
Federal funds sold and reverse repurchase $ 0.39 million
Net loans and leases $ 1,172.95 million
Loan loss allowance $ 10.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.43 million
Goodwill and other intangibles $ 43.37 million
All other assets $ 46.49 million
     Total Assets $ 1,342.54 million
LIABILITIES
Total deposits $ 1,203.10 million
      Interest-bearing deposits $ 1,028.29 million
      Deposits held in domestic offices $ 1,203.10 million
      % insured (estimated) 89.47%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 133.74 million
Subordinated debt N.A.
All other liabilities $ 5.70 million
      Total Liabilities $ 1,342.54 million
      Shareholders’ Equity $ 188.59 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 60.62 million
Total Interest Expense $ 14.90 million
Net interest income $ 45.72 million
Provision for loan and lease losses $ 3.53 million
Total non interest income $ 12.78 million
Total non interest expense $ 39.42 million
Pre-tax Net Operating Income $ 15.56 million

Bank Loan Profile?

The top three loan types in Citizens Community Federal National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Citizens Community Federal National Association’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.42
Multifamily
Mortgages
7.42
Credit Card Loans 0.00
Consumer Auto Loans 0.83
Small Business Loans 8.90
Construction and Development Loans 8.21
Commercial Real Estate 35.14
Commercial and Industrial Loans 9.35
Farm Loans 3.22

Frequently Asked Questions About Citizens Community Federal National Association

Branches and Savings

Is Citizens Community Federal National Association FDIC insured?

Yes. It is covered under FDIC Certificate #57265.

Why does Citizens Community Federal National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens Community Federal National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens Community Federal National Association a commercial bank?

Yes

Where are Citizens Community Federal National Association locations?

See branch locations nearby.

Is Citizens Community Federal National Association open on Saturdays?

Is Citizens Community Federal National Association open on Sundays?

What time does Citizens Community Federal National Association open?

What time does Citizens Community Federal National Association close?

Are Citizens Community Federal National Association ATMs Open 24/7?

Do Citizens Community Federal National Association ATMs accept cash deposits?

Can Citizens Community Federal National Association customers use other ATMs?

Do Citizens Community Federal National Association branches have notaries?

Will Citizens Community Federal National Association notarize my document?

What address for Citizens Community Federal National Association should I put for incoming ACH transfers?

Will the Citizens Community Federal National Association branch print checks?

Do Citizens Community Federal National Association checks expire?

Does Citizens Community Federal National Association require US citizenship to open account?

Can Citizens Community Federal National Association close my account?

Does Citizens Community Federal National Association Report to credit bureaus?

Does Citizens Community Federal National Association Use Equifax?

What is Citizens Community Federal National Association's ACH Routing Number?

What is Citizens Community Federal National Association's SWIFT code?

Products

Does Citizens Community Federal National Association offer mortgages?

Compare mortgage rates here.

Does Citizens Community Federal National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Community Federal National Association offer personal loans?

Compare personal loan rates here.

Does Citizens Community Federal National Association offer student loans?

Will Citizens Community Federal National Association cash a check?

Will Citizens Community Federal National Association redeem a savings bond?

Does Citizens Community Federal National Association cash savings bonds?

Will Citizens Community Federal National Association cash money orders?

Can Citizens Community Federal National Association issue a money order?

Does Citizens Community Federal National Association do currency exchange?

Background on The Bank

Who owns Citizens Community Federal National Association?

How long has Citizens Community Federal National Association been around?

Can Citizens Community Federal National Association transfer to other banks?

Does Citizens Community Federal National Association have quick pay?

Does Citizens Community Federal National Association accept rolled coins?

Will Citizens Community Federal National Association accept loose change?

Where is Citizens Community Federal National Association headquarters?

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