🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2025. CRA examination history below reflects the period it was active.

CITIZENS FIRST BANK

THE VILLAGES, FL · Supervised by FDIC

Est. 1991FDIC #33,440RSSD: FDIC-33440
Part ofVILLAGES BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

1050 Lake Sumter Lndg, THE VILLAGES, FL

County

Sumter County

Established

July 1, 1991

Total Assets

$4.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$4.1B

Total Deposits

$3.4B

Net Loans

$1.2B

Net Income

$39M

ROA

1.27%

ROE

11.38%

Risk-Based Capital

22.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$3.5B

1-Year Change

+2

5-year net change: +7 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/609653d6-71f6-44c9-8a7a-af3888872a03"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: