About Us

Citizens First Bank is Central Florida's favorite hometown bank. We live and work in two of Central Florida's special communities, which are close to all the special places you associate with Florida. From nearby waterways and oceans to the cities and towns of Florida, we live and work in the heart of Florida. Citizens First Bank, which was founded in 1991, is headquartered in The Villages®, "Florida's Friendliest Hometown!™" The Villages conveys the yesteryear moods of Southwest America, with themed movie theaters, a dozen country clubs and golf courses, plus facilities for virtually every sport and interest you desire. Visit The Villages now for more information on where we live and work in Central Florida.

Leesburg has been known as southern charm for a century. Today, that charm is retained, yet blended into modern Florida with advanced commerce, education, and medical care. Surrounded by lakes, meandering streams and heavily wooded areas, Leesburg is Old Time Florida with a new mood and feeling. Citizens First Bank is the only bank you will ever need. We deliver extraordinary banking service, just as Florida provides superlative living. You're invited to join us in Central Florida!


Core Ideology


Our Purpose

We are a bank created specifically to fill the needs of our community and to conscientiously and joyously serve our Villages residents in every possible way. (- Founder Harold Schwartz)


Our Vision

To nurture lifelong relationships with every person and business in our community.


Our Mission

Citizens First Bank will make dreams come true by providing comprehensive banking resources and personalized experiences to the residents and businesses of The Villages and surrounding communities.


Our Core Values


We treat our customers like guests in our home by creating an atmosphere where people feel welcome, comfortable, and confident in their banking relationship.


We greet our customers warmly, give them our full attention, and thank them for their business.


Hard Work:

We take pride in our work and strive to have a work ethic that reflects our commitment to customers, employees, The Villages®, and our communities.


We enjoy the good feeling that comes from exceeding the expectations of our customers and our company.



We nourish and protect the resources of our customers, the bank, and The Villages through prudent decision making, accountability, and ethical business practices.


We promote our communities and engage in activities that establish the bank as a good corporate citizen.


Innovation and Creativity:

We fulfill the needs of our customers by offering creative ideas and solutions as the financial landscape changes.


We seek opportunities for growth, progress, and efficiency while committing ourselves to excellence in all that we do.