FDIC Cert #13032 · Viroqua, Wisconsin · Est. 1912

Citizens First Bank - FDIC Bank Health Profile

A community-scale look at Citizens First Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$345M
Total assets
B
Health grade · Good
1.34%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

Citizens First Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.54% Tier 1, profitable at 1.34% ROA, 66% efficiency ratio.

#2,300
largest of 4,313 FDIC banks by assets
47th
percentile by asset size, nationally
10.54%
Tier 1 ratio - above the 10% well-capitalized line
66th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 13032 · WI B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2479/4307
  • PHOTO-FINISH Cornerstone Bank · ND
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 3.6% Texas
  • ROA-STRONG 1.34% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Cornerstone Bank, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens First Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens First Bank · WI · t…76/100Cornerstone Bank · ND · near76/100Farmers Trust and Sa… · IA ·…76/100The Dickinson County… · KS ·…76/100The State Bank and T… · OH ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens First Bank · July 2026

Call Report read for Citizens First Bank in a high-failure state

Citizens First Bank (FDIC Cert #13032) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,479 of 4,307. Tier 1 capital prints at 10.54%, clearing the 10% well-capitalized line. The Texas Ratio is 3.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.34%. Balance-sheet scale is $345M, 2,300th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cornerstone Bank (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens First Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Citizens First Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Citizens First Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Citizens First Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
Citizens First Bank's composite health score
Tier 1 Capital Ratio (10.54%) 28/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (3.61%) 20/20
Efficiency Ratio (66.33%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$345M

Total balance-sheet footings

Total Deposits

$282M

Customer-funded liabilities

Net Loans

$246M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.14% 10.54% 11.94%
Basel III capital ratios - Citizens First Bank

Where Citizens First Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens First Bank's score of 76/100 falls in the highlighted band.

Citizens First Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 42nd percentile higher than 42% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens First Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens First Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens First Bank's $345M falls in the highlighted band.

Capital & credit buffers at Citizens First Bank

Tier 1 capital ratio
Well-capitalized 10%

10.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.54%
Texas Ratio
3.61%
Equity Capital
$34M

What these ratios mean →

Earnings posture at Citizens First Bank

Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
14.28%
Efficiency Ratio
66.33%

What these mean →

Income & expense at Citizens First Bank

$19M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens First Bank reports a Texas Ratio of 3.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens First Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($345M here), outside Wisconsin so the neighborhood is not state containment.

RockPointBank $345M · TN Greenville Savings Bank $344M · PA Frazer Bank $345M · OK Security State Bank $344M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens First Bank (FDIC Cert #13032) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens First Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%