🏦Bank Scorer

THE CITIZENS FIRST NATIONAL BANK OF STORM LAKE

STORM LAKE, IA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #4,511
Outstanding Same

Current rating · Exam: July 2025

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.67%

Institution Profile

FDIC BankFind

Address

East 5th And Lake Avenue, STORM LAKE, IA

County

Buena Vista County

Established

February 1, 1902

Total Assets

$249M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 7, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$249M

Total Deposits

$206M

Net Loans

$140M

Net Income

$2M

ROA

2.67%

ROE

17.95%

Risk-Based Capital

26.73%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$210M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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/1e77faad-7915-4fb3-8daa-67a76c2b771f"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: