# CITIZENS FIRST BANK
WARTBURG, TN · FDIC certificate 34311 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $181.2M | |
| Deposits | $154.9M | |
| Loans and leases | $106.7M | |
| Total equity | $24.6M | |
| Loans / deposits | 68.81% (p35 of band) | 77.79% |
| Liquid assets / assets | 28.80% (p48 of band) | |
| Uninsured deposits / deposits | 9.80% (p24 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.20% (p43 of band) | |
| FHLB advances / assets | 0.20% | |
| Tier 1 leverage | 10.72% (p37 of band) | 11.56% |
| Unrealized securities loss / equity | 0.58% (p45 of band) | 0.80% |
| AOCI / equity | 1.79% (p44 of band) | |
| ROA (annualized) | 0.73% (p30 of band) | 1.05% |
| Net interest margin | 4.75% (p90 of band) | 3.84% |
| Efficiency ratio | 80.35% (p77 of band) | |
| Noncurrent loans | 0.71% (p57 of band) | 0.56% |
| Net charge-offs (annualized) | 0.07% (p76 of band) | |
| Reserve coverage of noncurrent | 19.69% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 51.49% (p81 of band) | |
| Auto loans | $4.4M (4.12% of loans; DQ 0.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 62 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | losing money |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | losing money |  |
| 2012-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 3 | charge-offs p90 | reserve under noncurrent, construction >100% equity, capital falling |
| 2013-03 | 1 | construction >100% equity | losing money, uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 0 |  | construction >100% equity |
| 2013-09 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 1 |  | construction >100% equity, charge-offs p90 |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 2 | capital falling, construction >100% equity |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |

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

- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2024-02-12 [An AI helper for third-party risk management - American Banker](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSnEzSms2bTFTVUZlbEdXQ0E5SnRVbUZuamdBYXExSzdGSUJwZWZIUFh6QmwtdDY3N3FnMEllc0txeHY5Yy1iLXBINnpxaEFISnFLS3d0TzdMRVVZSVdrVG9zZ3BUVHQwS2ExMXZCazgwMzVac1dsdG5hcGV6eTVSQnA2UEZYODQ?oc=5) · American Banker
- 2020-06-09 [Bank of Putnam County Now One Bank of Tennessee - The UC Now](https://news.google.com/rss/articles/CBMihwFBVV95cUxNa1VDMHphaERNYXBHVnJwSUNBMnp1eFlZbVNwNEJtRnpOcFA4VjFDZnJtS1Q3V0x2M25ad0FEbVpETU4xOXEzS2JLNENnM2VBMTlTU0VuOTI1aVFDMUVsVm0xMGpoOVZ1aGo3NDAtSHNPQ3JGZVREcU5NU2tKa3dLUzZWSGhsT0k?oc=5) · The UC Now
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Florida - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSV9rYjRvVlQwYzdjRjQ5RWNWYk5sNXpzMEpRQml0ZlN2VkI3cmkwMGRmVTI0eERfeG1tTWp6Y0lXZWtIdTc2N2xOYjZyU1ZEQnpOSkgtd2tHTDd2Z3pnbVNvZDFTUXJyZy1iOU1rc1lsaHJnaXVPM0JpX1FSbjVUTkdBWHl3djA5X2ZvN3Zn?oc=5) · Newsweek Rankings
- 2012-10-17 [Steven W. Newberry Elected to Board of Directors of BMI | News | BMI.com - Broadcast Music, Inc. (BMI)](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWlRuazFlamNud2c0NnhVX2pfYVo4Y1JVa2pyeVZUTlNWVnpfaXhYR2Nvek5DVjBoM25BX212V0lkQ2VuMFBHX0djRGo0OWs5b3ZVVjBVVUNTNzJkNlJrdmdCMkxzZHo4MG11MlY1RGpZQnd6bTRjb2xXc29QeFAyQWZNU2Z3RmhiZmpCVWRB?oc=5) · Broadcast Music, Inc. (BMI)
- 2011-09-30 [Opry barn adds to authenticity of 'Take It Home, Tennessee!' - Oak Ridger](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQMjZ4OVRJLWZuOHlmaUJXcGtQYm5CWHRvcHNDLTc1NC1ZODdIc0hrX1JIQkMwN1NqWU80VkhNeDZZMUwwbGt4NG9qYUx3VWhZS2M0bU9ZS21iYW9OTVEtMFZFeFlrTDlOT29BOGdHSTZHZUV5Y1ZfSms3ZUs3TlNYb3VZaVdzRWFpSUtMcGNjTW9kT3k5QzdvakFfcTRCWV82RkRrSzJyT0xkZw?oc=5) · Oak Ridger
- 2016-06-14 [KY Bank Robbery Suspect Still On The Run In Cottontown - Smokey Barn News](https://news.google.com/rss/articles/CBMie0FVX3lxTE9TTDRQT0lLM3ktSzZsN1R2bUNGUXpHS2dSZGlfTVZiU1RTTWIyTl8zYzRyb1NrdGtETFMxMUw3LXZLNEVXOWhHWDVZT3U3MTFpek04SUpBbFJuVjFxbDlHZThJRHBMcHF1VmlHNmFfU2cyeGpfSDQ2Y2NnUQ?oc=5) · Smokey Barn News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34311 (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/7.json (key "34311", 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