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The Citizens First National Bank Of Storm Lake
Storm Lake, IA · FDIC Certificate #4511 · Chartered 02/0
Total assets
$256.45M
Total deposits
$210.49M
Total equity
$39.38M
Net loans
$135.20M
Branches (offices)
3
Net income (YTD)
$3.19M
Rank: #2,677 of 4,213 U.S. banks by assets · #122 of 225 in Iowa. Assets changed 2.2% and deposits 0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.50% |
| Return on equity | 16.62% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 15.36% |
| Tier 1 leverage ratio | 15.87% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | -0.11% |
| Loans to deposits | 64.2% |
| Real estate loans (share of loans) | 47.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.78M | 47.9% | |
| Commercial & industrial | $18.81M | 13.9% | |
| Consumer / individual | $6.46M | 4.8% | |
| Construction & development | $1.94M | 1.4% | |
| Agricultural | $47.42M | 35.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $270.50M | $245.63M | $1.77M | $22.69M |
| Jun 2023 | $250.14M | $217.96M | $2.68M | $27.50M |
| Jun 2024 | $239.85M | $203.46M | $2.76M | $31.23M |
| Jun 2025 | $250.89M | $210.48M | $2.70M | $35.25M |
| Jun 2026 | $256.45M | $210.49M | $3.19M | $39.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $210.49M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $210.49M.
Similar-sized banks
Hibernia Bank ($256.64M) · Alliant Bank ($256.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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