Total Assets
$525.2M
Total Deposits
$355.3M
Branches
8
Established
1863
First Citizens State Bank is a bank headquartered in Whitewater, Wisconsin, established in 1863. It holds $525.2M in total assets across 8 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Citizens State Bank earns a TFS Financial Health Grade of A- (87.6/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
87.6 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Citizens State BankHQ | 207 W Main St | Whitewater | WI | 11 |
| First Citizens State Bank | 2546 Main St | East Troy | WI | 11 |
| First Citizens State Bank | 3223 North St | East Troy | WI | 99 |
| First Citizens State Bank | 111 E Main St | Palmyra | WI | 11 |
| First Citizens State Bank | 207 W Main St | Whitewater | WI | 27 |
| First Citizens State Bank | 1058 W Main St | Whitewater | WI | 11 |
| First Citizens State Bank | 435 W Starin Rd | Whitewater | WI | 29 |
| First Citizens State Bank | 1281 W Main St | Whitewater | WI | 29 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
87.6
Tier 1 capital ratio
18.00%
Return on assets
1.85%
Non-performing loans
0.00%
Efficiency ratio
47.13%
Asset growth (YoY)
6.22%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.