Total Assets
$345M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$282M
Customer-funded liabilities
Net Loans
$246M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
14.28%
Efficiency Ratio
66.33%
What the numbers say about Citizens First Bank
Citizens First Bank is an FDIC-insured institution (Certificate #13032) headquartered in Viroqua, Wisconsin, established in 1912. It holds $345M in total assets - 2,300th of 4,313 FDIC-insured banks, $282M in customer deposits, and $246M in net loans. Looking at capital strength, Tier 1 stands at 10.54%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.61%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, Citizens First Bank ranks 88th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Wisconsin by total assets
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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Citizens First Bank's health grade?▼
Citizens First Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens First Bank?▼
Citizens First Bank holds $345M in total assets and $282M in deposits, ranking 2,300th of 4,313 FDIC-insured banks by asset size. It is headquartered in Viroqua, Wisconsin.
Is my money safe at Citizens First Bank?▼
Yes, deposits at Citizens First Bank (Certificate #13032) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens First Bank's Tier 1 Capital Ratio?▼
Citizens First Bank has a Tier 1 Capital Ratio of 10.54%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens First Bank?▼
Citizens First Bank has a Texas Ratio of 3.61%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens First Bank?▼
Citizens First Bank has an Efficiency Ratio of 66.33%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens First Bank's profile as a depositor or analyst.
- Citizens First Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens First Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.