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First Citizens State Bank
Whitewater, WI · FDIC Certificate #11228 · Chartered 10/2
Total assets
$525.24M
Total deposits
$355.30M
Total equity
$92.98M
Net loans
$388.13M
Branches (offices)
6
Net income (YTD)
$4.77M
Rank: #1,725 of 4,213 U.S. banks by assets · #64 of 153 in Wisconsin. Assets changed 6.2% and deposits -1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 10.50% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 17.70% |
| Tier 1 leverage ratio | 18.00% |
| Uninsured deposits (share of deposits) | 25.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 109.2% |
| Real estate loans (share of loans) | 91.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $353.59M | 91.1% | |
| Commercial & industrial | $29.98M | 7.7% | |
| Consumer / individual | $3.79M | 1.0% | |
| Construction & development | $40.78M | 10.5% | |
| Agricultural | $2.86M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $424.85M | $345.77M | $2.44M | $72.38M |
| Jun 2023 | $438.74M | $314.87M | $2.81M | $74.56M |
| Jun 2024 | $446.44M | $302.81M | $2.61M | $78.90M |
| Jun 2025 | $494.48M | $362.19M | $3.79M | $84.84M |
| Jun 2026 | $525.24M | $355.30M | $4.77M | $92.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $355.30M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $355.30M.
Similar-sized banks
Cross County Savings Bank ($525.42M) · First State Bank Of Dequeen ($525.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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