# CITIZENS FINANCIAL BANK
MUNSTER, IN · FDIC certificate 29367 · asset band $1-10B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.12B | |
| Deposits | $953.0M | |
| Loans and leases | $648.5M | |
| Total equity | $111.7M | |
| Loans / deposits | 66.75% (p24 of band) | 80.17% |
| Liquid assets / assets | 34.09% (p68 of band) | |
| Uninsured deposits / deposits | 4.85% (p8 of band) | 22.18% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.48% (p31 of band) | |
| FHLB advances / assets | 3.51% | |
| Tier 1 leverage | 9.29% (p39 of band) | 9.79% |
| Unrealized securities loss / equity | -1.31% (p38 of band) | -0.48% |
| AOCI / equity | -2.79% (p44 of band) | |
| ROA (annualized) | 0.42% (p13 of band) | 0.93% |
| Net interest margin | 3.35% (p41 of band) | 3.53% |
| Efficiency ratio | 81.81% (p86 of band) | |
| Noncurrent loans | 4.47% (p91 of band) | 1.32% |
| Net charge-offs (annualized) | 0.37% (p86 of band) | |
| Reserve coverage of noncurrent | 42.71% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 14.71% (p27 of band) | |
| Auto loans | $1.2M (0.18% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $316,000 (0% of equity) (p79 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 253 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 3 | capital falling, losing money | noncurrent p90 |
| 2012-03 | 3 | expense ratio p90 | losing money |
| 2012-06 | 2 | noncurrent p90 | capital falling, expense ratio p90 |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-07-25 [Muncie’s First Merchants growing — again - The Star Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxOa1JCME5rR0hnR1B6U0h4ZW43S0ZScTdmZ1FwRlZWRWVYbHUzb0poSkVMTHpMNEZQdUh2SXpRZEtuY0d4ZmNPOTRrUXJwaDdGYk5NRTMyS2sxTUpSekZUYlJUOV8yNzIyQ0ZXZ285NkZvWmEyVHR2clI4VXBjYlB5cU1ZUF9INTNSRXFKc09zVVctc0RJTG9QM0Y2eWtQc2tfNHYzWlFIZw?oc=5) · The Star Press
- 2026-01-14 [Financial Stocks Have Had a Wild Week. Citi and 9 More That Look Promising. - Barron's](https://news.google.com/rss/articles/CBMitgFBVV95cUxOblhtSGx3N0t0bE0tRGdwVVdxbHp3OUN2YkN4d0trdzNLM3A4ajkyYW9pVG5VclpMR0M5c2p0YUt0eWtaVXd1TVNYSFVDZ2pHT0xQOGZ4bXZ6d1FnWlBWUEdRVkRJVHF3MkpXM0xENDdYNXlYR3RIQTVsNkNtVjZaLTd0bDJ1dnBXUTZzb2RXU2dhNDF0S084VmpjYzViTUQ3SnAyX0F5LXpnRy1aMlo4WWpEZEY4dw?oc=5) · Barron's
- 2012-04-25 [Citizens Financial Honors Darien Essay Contest Winners - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTkNSZ0k5eVJPR0dPN2tVX0ppQVdHc2oxSXNqZ2FyakhVSmJRRHVUQlN3d1Q2LXViQllSZ0FwVC1Xd1lJeDRyQ3R5aGV2RFNJUW1MQTZtekFCWFFvWnNBZ016QkFXX2FYQXRxS3J2X3ltN1RFNG91UVlsMGlVa056SU1DbU1QVEZDSXB2MUN3bTJGSTlxU1E?oc=5) · Patch
- 2019-10-03 [Former bank executive becomes photographer - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMiakFVX3lxTFA5c2YxMVotODNzT1RrMV9uUnExNEtYc2xGQ3M0MXN0TW1rVHhJdWRZdVgxRmJzUnZETUdCaUNpOUNVaHdkMUZqZmc5UUJucTVPSDhXQmcybXU2dkE4U0hIWnFxWEpBWXFMSGc?oc=5) · Northwest Indiana Business Magazine
- 2012-11-15 [Regional Development Company Welcomes New Board Members - GreatNews.Life](https://news.google.com/rss/articles/CBMikAFBVV95cUxOV2FENUZSMl82QjFDcmpEeEhWR1pXdmdiNXZWWVVZdTFzbUJjSjNIS19YQ0RLS2JJVGRHYk5nNV9Uc3ZwTzJacUJkX1dvUEZWZk5qckdKV3M4MGpaQktWTlRLTV9UdGszdjB0OU5RX1dTZWZ4TXlhTk5iS1ZqbGxma1F6c29Vd2lSUGZKZ0cyejU?oc=5) · GreatNews.Life
- 2012-08-23 [Family member turns in suspected DuPage bank robber - Daily Herald](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZmhUZzktLXgxdXJwZXFnc1Bna1R0amhmUWktUldjSXVWVmFUR19LYzVicmFGV01LMkpCV1FYdFJvcWg0UkRKNXd3VnZ0SnVRTEw0WTNLbWUteFY0cDY1dWN6U2w0Q1U1N0RTVDdGS0ZtclNyQVgxcl9DQWlwd1NVY0FpS2FnVFpmT1ZsN2xGdDZQdkFOczNldDZn?oc=5) · Daily Herald
- 2012-08-23 [Local Man Charged in West Chicago Bank Heist - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxOR0tBbUNNNkxpWjlQS1ZLUGNJX1R0alFCX1BQOUV3UnBOdmkzaTB1Smc5M2ZIcGE5c0RqOGZ6Uy1JeWV1djVTTEgyWWQwczNhbEtHbkZqMkZvRENaQnlVdGRka0NsS1RFY2lfYUMzd09LN0ZlS1plLW4tUEVjREs2REdMODctNjNqRTNVYTdldDJxVWV4UkdXcmRuZUtpa0h4d25j?oc=5) · Patch
- 2021-03-17 [Entrepreneurial Success - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQeUpWeGlIWDJ6TzlCZU02d2lBbnFMbWZYbDZBZFFMenhTUFNkMHlGQWVrWXZ3aXBlQmlTc01RZmwzcmVwQ3RDZmhDWnBFSzY0RjN3YkxLU3FWZjBEQ1ZJNUV5TGlRYmRNT1RvbXJpQW1hTlM5ZkNBN3lWNDlSVVJOajlUODJjaW9mSlA4?oc=5) · Northwest Indiana Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29367 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "29367", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide