The Citizens First National Bank of Storm Lake is a national bank headquartered in Storm Lake, Iowa, in business for about 124 years. At the end of Q2 2026 it reported $256.5M in total assets and $210.5M in deposits, with 3 offices.
The Citizens First National Bank of Storm Lake has a TellerScore of 99 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 1st. Capital cushion contributes the most (100/100, 15.87%); funding & liquidity contributes the least (92/100, 64% loans-to-deposits, 19% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (94 → 99), mostly because the problem-loan coverage component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 93 |
| Q4 2024 | 93 |
| Q1 2025 | 94 |
| Q2 2025 | 94 |
| Q3 2025 | 94 |
| Q4 2025 | 95 |
| Q1 2026 | 98 |
| Q2 2026 | 99 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.49% |
| Q3 2024 | 13.96% |
| Q4 2024 | 13.46% |
| Q1 2025 | 13.46% |
| Q2 2025 | 14.24% |
| Q3 2025 | 14.80% |
| Q4 2025 | 14.18% |
| Q1 2026 | 14.95% |
| Q2 2026 | 15.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.26% |
| Q3 2024 | 2.05% |
| Q4 2024 | 2.42% |
| Q1 2025 | 2.06% |
| Q2 2025 | 2.14% |
| Q3 2025 | 2.27% |
| Q4 2025 | 2.64% |
| Q1 2026 | 2.67% |
| Q2 2026 | 2.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 99 | $256.5M | 15.87% | 0.03% | 2.50% | 64.2% |
| Q1 2026 | 98 | $248.9M | 14.95% | 0.07% | 2.67% | 67.8% |
| Q4 2025 | 95 | $260.2M | 14.18% | 0.07% | 2.64% | 66.4% |
| Q3 2025 | 94 | $256.0M | 14.80% | 0.32% | 2.27% | 68.3% |
| Q2 2025 | 94 | $250.9M | 14.24% | 0.08% | 2.14% | 69.4% |
| Q1 2025 | 94 | $253.8M | 13.46% | 0.04% | 2.06% | 67.1% |
| Q4 2024 | 93 | $251.0M | 13.46% | 0.05% | 2.42% | 69.5% |
| Q3 2024 | 93 | $238.8M | 13.96% | 0.21% | 2.05% | 72.8% |
| Q2 2024 | 91 | $239.8M | 13.49% | 0.35% | 2.26% | 70.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Heartland BankBank Somers, IA | 79 out of 100, Strong | $256.1M | 13.2% | 0.81% | vs |
| Malvern BankBank Malvern, IA | 67 out of 100, Moderate | $253.2M | 8.9% | 0.37% | vs |
| Denver Savings BankBank Denver, IA | 71 out of 100, Strong | $250.6M | 10.8% | 0.05% | vs |
| Security Trust & Savings BankBank Storm Lake, IA | 70 out of 100, Strong | $266.4M | 10.4% | 0.78% | vs |
| Westside State BankBank Westside, IA | 51 out of 100, Below average | $268.7M | 8.8% | 1.57% | vs |
| Freedom Financial BankBank West Des Moines, IA | 68 out of 100, Moderate | $269.3M | 9.3% | 0.00% | vs |
Deposit insurance
Is my money safe at The Citizens First National Bank of Storm Lake?
Yes. The Citizens First National Bank of Storm Lake is an FDIC-insured institution (FDIC certificate #4511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($39.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.58% (benchmark: 10%).
3 locations
Branches
The Citizens First National Bank of Storm Lake lists 3 offices in 2 cities. Most locations:
- Storm Lake, IA (2)
- Early, IA (1)
Identity & history
Profile
- Legal name
- The Citizens First National Bank of Storm Lake
- Type
- National bank
- FDIC certificate #
- 4511
- RSSD ID
- 424240
- Primary regulator
- OCC
- Holding company
- Fnc Inc
- Established
- February 1, 1902
- Headquarters
- East 5th And Lake Avenue, Storm Lake, IA 50588
- Website
- www.citizensfnb.com
- Employees
- 46
Quick answers
The Citizens First National Bank of Storm Lake: common questions
Is The Citizens First National Bank of Storm Lake FDIC insured?
Yes. The Citizens First National Bank of Storm Lake is an FDIC-insured institution (FDIC certificate #4511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens First National Bank of Storm Lake's TellerScore?
99 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens First National Bank of Storm Lake ever failed?
There is no failure record for FDIC certificate #4511 in the FDIC failed bank list.
How many branches does The Citizens First National Bank of Storm Lake have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Storm Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| Cherokee State BankBank Cherokee, IA | 83 out of 100, Strong | $271.1M | 13.0% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |