Citizens First Bank is well on the way to earning more accolades because of its financial performance during the fourth quarter ended Dec. 31, 2021. The Villages, hometown community bank reported not only a year-over-year increase of 28% in customer deposits but the same gain in assets. Deposits totaled about $3.2 billion; assets nearly $4 billion. It also far exceeded all required federal banking ratios that determine a bank’s financial health. Its total capital ratio is more than double the federal minimum.