# CITIZENS FIRST BANK
THE VILLAGES, FL · FDIC certificate 33440 · asset band $1-10B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $4.06B | |
| Deposits | $3.42B | |
| Loans and leases | $1.27B | |
| Total equity | $501.1M | |
| Loans / deposits | 36.56% (p3 of band) | 86.09% |
| Liquid assets / assets | 65.91% (p98 of band) | |
| Uninsured deposits / deposits | 27.45% (p40 of band) | 30.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.55% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.47% (p88 of band) | 10.36% |
| Unrealized securities loss / equity | -15.56% (p31 of band) | -8.45% |
| AOCI / equity | 11.14% (p96 of band) | |
| ROA (annualized) | 1.27% (p62 of band) | 1.10% |
| Net interest margin | 2.88% (p19 of band) | 3.55% |
| Efficiency ratio | 49.93% (p19 of band) | |
| Noncurrent loans | 0.08% (p13 of band) | 0.48% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 2218.32% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 26.58% (p25 of band) | |
| Auto loans | $1.3M (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 393 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 1 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 2 | NIM <2.5%, uninsured deposits leaving |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | NIM <2.5% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2019-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 2 | NIM <2.5% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | assets shrinking | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 1 |  | NIM <2.5% |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |

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

- 2026-07-09 [Seacoast Bank marks 100th anniversary with community initiatives - WFTV](https://news.google.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?oc=5) · WFTV
- 2026-04-17 [Citizens First Bank (FL) Review - SmartAsset](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMGdra056UnNoV2RTTzN3OF96RDVKM0Q0ajZvR2wwZktGT0xRWkU0Y3pHN29ZRkdmenU1NWlGWlpmanczUHJaQmlyWnhMSnF4dWFhMm15b2tWVVdwUFN2S0V1czNZclNkX01tNVBsWEdtTFB6dUE2UGdFYnlpOEd5bGVxWQ?oc=5) · SmartAsset
- 2026-04-23 [Seacoast Banking Corporation of Florida Declares Quarterly Dividend on Common Stock and Preferred Stock - Business Wire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPOWUtTGtUbVMzN2U1dF9IZEtIN1NNZFVZcHU1TElNdDVwMFJwTWFEQlRsYzNSVGNqd2hneV84MV8tM18xYnFOVWs4YXpGbzY1M1dHMXhVeVB5UnlRY3BEU3d1X0J0NExiNWhTT0tZMzJoNm9jMlN1c1BuMHp3S0p4QUJPdjRDRFVHLXJqNnpadUxucmJSZkpoZmR5TmJTWFpLejg4aVhVQmxTckFHR19LRVNGbjQwYlBJN1JPS29FblQ2YTZiMEs3N29lc1l0eF8yaEptcHJjWEY2OTl4TGk2R1c3d0V0c2lIVnhKeDZ0b09tdw?oc=5) · Business Wire
- 2026-07-29 [SBCF Q2 Deep Dive: Organic Growth and Integration Milestones Shape Outlook - StockStory](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNY2U0dE1zME9jbElfVnVHRjB3SW03YUZEVTk3eE1BMkRVVUduY0FiVUZFQTFmUFRxaVNfWFU3RzZ5YnY0RUJsU3dkbGtuR3lTbVh2eW9JcWFyQmNFemRqUkIxcEVMVHRrUUtoektBMHU0dDJDME4zbmdaSVVyZ3pyRDE1TUxTeXROZk54dmhDQTlqVGFGR2VxTHhGTGw5d0Zta3RKdTE4ekx6MzhqSlBITERmcFh3cHc1Z0JUMVR5OTdVWDF1Tk9nVFRZMkhJdmtaN1B3?oc=5) · StockStory
- 2025-05-30 [Seacoast bets big on The Villages in $710.8M deal - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxObkJsS0ZrMlhPdktxZGQ2akRtRlFFanlFRWtFM2M0b3NrY0ZicGc1eVpIMjZjelJtLXdtbUdWUkRzemFuX3dPZm9NTkhyTDRmdThRaHlGWmh6Zkc4VGZCQm9aVXV6ZFI2X1lzM0VyY1l3MmdsVU9qaHFDTC1Ob0lTUDNhUWRpZ21Qb0JGSnduV2tYZlV2TUktcWp0T1lZNEtZ?oc=5) · Banking Dive
- 2025-06-02 [Seacoast enters $710.8m deal to buy Villages Bancorporation - Retail Banker International](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcXBTYWF0anl3SHBMVU5tWDhwYUtqZENoMEJjTWI1RWZRYUdkS3pVZmd0dWplTEFjT2FvaW1yajY3RS1mSlI5M25fY0lxbkhUZXFhdGVwSk4wV1JtMUR2eFJJclQ5dEE1dWxOdTlNcWg5RGtLZzAyaUtLbmxTYTZGMlUtM0t1NU9qc3pfYVg4Wl8wdVh1Znc?oc=5) · Retail Banker International
- 2025-05-30 [Seacoast makes play for Florida retirees in latest deal - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZDlldm10aUdmcG1OYXkyV25QNm5tbHRqNjh5LTM0X241Vm80SF8zOXZJMUlmQTZJcUZwYTRXNVdqYW1RdndQQ1dDUGN3MFpiWnlJMURUN01Oc3FOc0tUSUV6djFSUHJ3NFNNSUdqZ1ZpYXFzTWkwX0lhem1xel8wMmRZU3R0NE1sNkdTSy10MDM?oc=5) · American Banker
- 2017-06-29 [Citizens First Bank in Leesburg to relocate - Daily Commercial](https://news.google.com/rss/articles/CBMixAFBVV95cUxPcTI1QnBwVlFsT0tPMkEwVl8zQXZkNXp5d2QwUEl0bEZIcjQxNGtPWTJHa3d6WmQ3RDY1VWVhU2l0Y0xuRVI3eUJvMVp0WE1IVEdVMGQ4VVNlelRfd2gzVmZ1TWt6N2c3Qmt6Z0JGZVJpc2FySmdFLVRSX1ZMWnJGbHBQNWV4N1VQSGcyYUl2c3Zjb0NTZTNlMWpFbGVCNjJYU090Rlp4cjl5YzB0cWQ4UHZEeWJPLXJZV0MwNkVXRlpuVnFG?oc=5) · Daily Commercial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33440 (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/32.json (key "33440", 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