Founded in 1938, Citizens First was formed for the purpose of lending money for home purchases. Mortgages were our primary focus until 1995 when our Commercial Banking Department was developed. In 1999, the Citizens First Asset Management and Trust Department was introduced, and Indirect Lending was added to expand the Consumer Lending function and provide additional convenience for our customers. Recently, two more affiliates were added - in 2000, CFS Insurance Agency Inc. which offers insurance products such as vehicle, boat, homeowners, renters, and more; and in 2001, Citizens Commercial Insurance Services, L.L.C. which was designed to meet the insurance needs of business owners.

On March 7, 2001, we became a public company by completing our conversion from a mutual savings bank to a stock savings bank. March 7 also marked the date Citizens First Bancorp, Inc. became the holding company for Citizens First Savings Bank. Common stock is traded on the Nasdaq National Market under the symbol “CTZN.”

We continued to improve our organizational structure on June 15, 2002, when we converted our mortgage department to an LLC, forming our newest affiliate Citizens First Mortgage, LLC.

Today, with over $1.3 billion in assets, Citizens First serves six counties, has 16 branch office locations, approximately 280 employees, and offers a full range of financial products and services.

As we plan for the future, technology, convenience, and superior customer service are primary areas of focus for Citizens First.