CRA Public File
Welcome to Citizens First Bank’s Community Reinvestment Act (CRA) page! At CFB, we’re dedicated to making a positive impact in the communities we serve. This law encourages banks to invest in and support the neighborhoods where our branches are located. Through various initiatives and programs, we strive to provide financial resources and services to individuals and businesses in these communities, ensuring that everyone has access to the opportunities they need to thrive.
Citizens First Bank is committed to:
- Local initiatives
- Community development
- Neighborhood investment
- Access to opportunities
- Community support programs
- Community engagement
Join us in our commitment to building stronger, more vibrant communities!
CFB Branch Details
| Branch Details | Main Branch (Clinton) 1442 Lincoln Way | Midtown Branch (Clinton) 1329 N. 2nd St | Camanche Branch 403 S. Washington Blvd |
|---|---|---|---|
| Date Opened | March 14, 2000 | March 12, 2001 | August 4, 2004 |
| Census Tract | Census Tract 4 | Census Tract 6 | Census Tract 8 |
no | Hours of Operation | Hours of Operation | Hours of Operation |
| Lobby Monday – Friday | 8:30 AM – 4:30 PM | 8:30 AM – 4:30 PM | 9:00 AM – 12:30 PM 1:30 PM – 4:30 PM |
| Lobby Saturday | 8:30 AM – Noon | CLOSED – Drive-Thru only | CLOSED – Drive-Thru only |
| Drive-Thru Monday – Friday | 7:30 AM – 5:30 PM | 7:30 AM – 5:30 PM | 8:00 AM – 5:00 PM |
| Drive-Thru Saturday | 8:00 AM – Noon | 8:00 AM – Noon | 8:30 AM – Noon |
CFB ATM Details
| ATM Details | Main ATM (Clinton) 1442 Lincoln Way | Midtown ATM (Clinton) 1329 N. 2nd St | ATM Only (Clinton) 1035 13th Ave N | Camanche ATM 403 S. Washington Blvd |
|---|---|---|---|---|
| Date Opened | March 14, 2000 | March 12, 2001 | August 15, 2006 | August 4, 2004 |
| Census Tract | Census Tract 4 | Census Tract 6 | Census Tract 5 | Census Tract 8 |
| Accepts Deposits | Yes | Yes | No | No |
Loan to Deposit Ratio
| 12/31/2023 | 9/30/2023 | 6/30/2023 | 3/31/2023 | |
|---|---|---|---|---|
| Quarterly Ratios | 90.32% | 88.95% | 91.52% | 81.39% |
Products and Services
Deposit Services
- Checking Accounts-Accounts vary by included features
- Savings Accounts
- Christmas Club
- HSA–Health Savings Account
- Money Market Accounts
- Certificate of Deposit
- IRA’s
- Debit Cards
- Overdraft Protection/Demand Deposit Line of Credit
- Overdraft Privilege/Overdraft Service Program
- Digital Banking/Bill Pay/e-Statements
- Cash Management – Business Online Banking/Bill Pay/Online Statements/ACH/Wire
- Personal/Business Mobile Banking App
- Mobile Deposits
- Person to Person (P2P) Payments
- Bank to Bank Transfers in Digital Banking
- Remote merchant capture
- Safe Deposit (Main and Camanche Branch)
- Gift Cards
- Courier
- Cashier’s Checks and Money Orders
- Cash Advances
- Check Cashing
- Coin Counting
- Foreign Currency Order
- Night Deposit
- Wire Transfer
- Notary Services
- Mobile Wallet (Samsung Pay, Apple Pay, Google Pay, Garmin Pay, Fitbit Pay- through Core Vendor CSI)
- Online Account Opening
- Positive Pay
Loan Services
- Mortgage (online loan inquiry)
- Construction
- Consumer (online loan inquiry)
- HELOC
- Lines of Credit
- Commercial-Real Estate
- Commercial-Operating
- Agriculture
- Credit Card (through 3rd Party Vendor – online application)
CRA Assessment Area Map
