Citizens First Bank


701 Broad Street
Rome, GA 30161
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Citizens First Bank is an FDIC insured institution located in Rome, GA. It was founded in 1911 and has approximately $0.35 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27797
Date Established 1911
Assets $ 359.40 million
Loans $ 293.21 million
Deposits $ 278.94 million
Capital $ 30.58 million

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Citizens First Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Citizens First Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Citizens First Bank 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:

Citizens First Bank Locations

Financial Details

Citizens First Bank Ratio Analysis

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

Texas Ratio
Citizens First Bank U.S. Bank Average
20.8% 6.94%

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 March 31, 2020, Citizens First Bank had $7,834,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $30,577,000 in equity and $7,092,000 in loans loss reserves. That gives it a Texas Ratio of 20.8%.

Return on Equity
Citizens First Bank U.S. Bank Average
4.01% 7.80%

Citizens First Bank has a Return on Equity of 4.01% versus the BestCashCow average of 7.80%. 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.

Citizens First Bank U.S. Bank Average
8.51% 12.68%

Citizens First Bank has a Capitalization of 8.51% versus the BestCashCow average of 12.68. 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 First Bank Balance Sheet Analysis

As of November 30, -0001, Citizens First Bank had assets of $350,033,000, loans of $293,209,000, and deposits of $278,941,000. 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

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 293.21 million
Loan loss allowance $ 7.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 278.94 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 359.40 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Citizens First Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Citizens First Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Citizens First Bank

Branches and Savings

Is Citizens First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27797.

Why does Citizens First Bank pay such low interest on savings accounts?

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

Why are Citizens First Bank CD rates not competitive?

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

Is Citizens First Bank a commercial bank?


Where are Citizens First Bank locations?

See branch locations nearby.

Is Citizens First Bank open on Saturdays?

Is Citizens First Bank open on Sundays?

What time does Citizens First Bank open?

What time does Citizens First Bank close?

Are Citizens First Bank ATMs Open 24/7?

Do Citizens First Bank ATMs accept cash deposits?

Can Citizens First Bank customers use other ATMs?

Do Citizens First Bank branches have notaries?

Will Citizens First Bank notarize my document?

What address for Citizens First Bank should I put for incoming ACH transfers?

Will the Citizens First Bank branch print checks?

Do Citizens First Bank checks expire?

Does Citizens First Bank require US citizenship to open account?

Can Citizens First Bank close my account?

Does Citizens First Bank Report to credit bureaus?

Does Citizens First Bank Use Equifax?

What is Citizens First Bank's ACH Routing Number?

What is Citizens First Bank's SWIFT code?


Does Citizens First Bank offer mortgages?

Compare mortgage rates here.

Does Citizens First Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens First Bank offer personal loans?

Compare personal loan rates here.

Does Citizens First Bank offer student loans?

Will Citizens First Bank cash a check?

Will Citizens First Bank redeem a savings bond?

Does Citizens First Bank cash savings bonds?

Will Citizens First Bank cash money orders?

Can Citizens First Bank issue a money order?

Does Citizens First Bank do currency exchange?

Background on The Bank

Who owns Citizens First Bank?

How long has Citizens First Bank been around?

Can Citizens First Bank transfer to other banks?

Does Citizens First Bank have quick pay?

Does Citizens First Bank accept rolled coins?

Will Citizens First Bank accept loose change?

Where is Citizens First Bank headquarters?

Customer Reviews for Citizens First Bank

There are currently no comments for Citizens First Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →