Banks | Citizens First Bank of The Villages, Florida
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Citizens First Bank of The Villages, Florida

Our records indicate that this bank has been acquired by Seacoast National Bank.


ACH Number: 63114001

Citizens First Bank of The Villages, Florida is an FDIC insured institution headquartered at 1050 Lake Sumter Lndg, The Villages, FL 32162.
It was founded in 1991 and has approximately $4 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - August 21, 2026

SAVINGS RATES APY MIN
SAV
0.10% $100 Compare
SAV
0.15% $100,000 Compare
CD RATES APY MIN
6 Mo CD
4.24% $2,500 Compare
12 Mo CD
3.82% $2,500 Compare
18 Mo CD
1.77% $2,500 Compare
24 Mo CD
1.87% $2,500 Compare
36 Mo CD
1.97% $2,500 Compare
48 Mo CD
2.02% $2,500 Compare
60 Mo CD
2.28% $2,500 Compare
MM RATES APY MIN
Money Market
1.77% $0 Compare
Money Market
1.87% $10,000 Compare
Money Market
1.97% $50,000 Compare
Money Market
2.02% $250,000 Compare
Money Market
2.28% $1,000,000 Compare
FIXED IRA RATES APY MIN
12 Mo FIRA
3.82% $2,500
24 Mo FIRA
1.87% $2,500
36 Mo FIRA
1.97% $2,500
48 Mo FIRA
2.02% $2,500
60 Mo FIRA
2.28% $2,500
VARIABLE IRA RATES APY MIN
VIRA
1.77% $2,500
INT CHECKING RATES APY MIN
INTCK
0.40% $1,000
INTCK
0.65% $50,000
INTCK
0.90% $250,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33440
Date Established 1991
Assets $ 4.09 billion
Loans $ 1,249.75 million
Deposits $ 3.42 billion
Capital $ 501.13 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 33.12 million
Interest-bearing balances $ 8.13 million
Total securities $ 2.53 billion
Federal funds sold and reverse repurchase $ 111.43 million
Net loans and leases $ 1,249.75 million
Loan loss allowance $ 23.25 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.56 million
Goodwill and other intangibles $ 19.30 million
All other assets $ 99.14 million
     Total Assets $ 3.56 billion

LIABILITIES
Total deposits $ 3.42 billion
      Interest-bearing deposits $ 2.86 billion
      Deposits held in domestic offices $ 3.42 billion
      % insured (estimated)" 72.62%
Federal funds purchased and repurchase agreements $ 103.69 million
Trading liabilities N.A.
Other borrowed funds $ 103.00 million
Subordinated debt N.A.
All other liabilities $ 39.79 millionn
      Total Liabilities $ 3.56 billion
      Shareholders’ Equity $ 530.28 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 129.13 million
Total Interest Expense $ 45.30 million
Net interest income $ 83.83 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 18.82 million
Total non interest expense $ 51.25 million
Pre-tax Net Operating Income $ 26.50 million

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