First Citizens State Bank

BankWhitewater, Wisconsin
www.firstcitizensww.com

Total Assets

$513.3M

Total Deposits

$379.1M

Branches

8

Established

1863

TFS Health Grade

$
C

74.7 / 100

Average financial health

How we grade

First Citizens State Bank is a bank headquartered in Whitewater, Wisconsin, established in 1863. With $513.3M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C (74.7/100).

Capital & Safety

Tier 1 Capital Ratio
17.82%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.58%(1%)
Return on Equity (ROE)
9.41%(10%)
Net Interest Margin
3.45%
Efficiency Ratio
49.48%(60%)

Lending & Liquidity

Total Loans
$353.3M
Loan-to-Deposit Ratio
91.33%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
-0.58%
Deposit Growth (YoY)
-0.95%
Net Income
$8.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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