Citizens First Bank


1015 Main Street
Wartburg, TN 37887
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Citizens First Bank is an FDIC insured institution located in Wartburg, TN. It was founded in 1997 and has approximately $0.18 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 34311
Date Established 1997
Assets $ 180.94 million
Loans $ 106.57 million
Deposits $ 154.87 million
Capital $ 24.63 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 24, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.950% 2.875%
1.00 points
$2,415 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Citizens First Bank
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Climate Initiatives

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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
5.6% 4.78%

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 June 30, 2021, Citizens First Bank had $762,000 in non-current loans and $626,000 in owned real estate. To cover these potential losses it had $24,632,000 in equity and $150,000 in loans loss reserves. That gives it a Texas Ratio of 5.6%.

Return on Equity
Citizens First Bank U.S. Bank Average
5.5% 11.29%

Citizens First Bank has a Return on Equity of 5.5% versus the BestCashCow average of 11.29%. 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
13.61% 11.72%

Citizens First Bank has a Capitalization of 13.61% versus the BestCashCow average of 11.72. 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 September 30, 2019, Citizens First Bank had assets of $181,222,000, loans of $106,573,000, and deposits of $154,874,000. 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

June 30, 2021
Cash & Balances due from depository institutions $ 28.33 million
Interest-bearing balances $ 25.35 million
Total securities $ 23.60 million
Federal funds sold and reverse repurchase $ 0.27 million
Net loans and leases $ 106.57 million
Loan loss allowance $ 0.15 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.63 million
Goodwill and other intangibles $ 5.75 million
All other assets $ 3.98 million
     Total Assets $ 156.59 million
Total deposits $ 154.87 million
      Interest-bearing deposits $ 117.43 million
      Deposits held in domestic offices $ 154.87 million
      % insured (estimated) 90.21%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.36 million
Subordinated debt N.A.
All other liabilities $ 1.35 million
      Total Liabilities $ 156.59 million
      Shareholders’ Equity $ 24.35 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 6.38 million
Total Interest Expense $ 0.99 million
Net interest income $ 5.39 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 1.29 million
Total non interest expense $ 5.51 million
Pre-tax Net Operating Income $ 1.02 million

Bank Loan Profile?

The top three loan types in Citizens First Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Tennessee, Citizens First Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 47.63
Credit Card Loans 0.00
Consumer Auto Loans 4.13
Small Business Loans 24.78
Construction and Development Loans 11.90
Commercial Real Estate 24.78
Commercial and Industrial Loans 5.32
Farm Loans 0.07

Frequently Asked Questions About Citizens First Bank

Branches and Savings

Is Citizens First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34311.

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?


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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?

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Background on The Bank

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