The Citizens First National Bank of Storm Lake: how it compares with its peers
Against 118 IA banks with half to twice its assets, The Citizens First National Bank of Storm Lake's strongest measure in Q2 2026 is return on assets (2.50% vs. a 1.39% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $8.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.50% | 1.39% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.63% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.89% | 55.03% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $8.6M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.23% | 80.42% | Context |
What it means for lending operations
Its efficiency ratio of 51.89% is better than the 55.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Heartland Bank Somers, IA · $256M
- Malvern Bank Malvern, IA · $253M
- Denver Savings Bank Denver, IA · $251M
- Security Trust & Savings Bank Storm Lake, IA · $266M
- Westside State Bank Westside, IA · $269M
- Freedom Financial Bank West Des Moines, IA · $269M
Questions about The Citizens First National Bank of Storm Lake
How big is The Citizens First National Bank of Storm Lake?
The Citizens First National Bank of Storm Lake, established in 1902, is headquartered in Storm Lake, IA. It reported $256M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Citizens First National Bank of Storm Lake's return on assets?
2.50% annualized in Q2 2026, against a 1.39% median for 118 IA banks with half to twice its assets, ahead of 97% of them.
What is The Citizens First National Bank of Storm Lake's efficiency ratio?
51.89% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 55.03%, and lower is better.
Is The Citizens First National Bank of Storm Lake growing its loans?
Net loans shrank 7.5% over the year to Q2 2026, while deposits grew 0.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.