Total Assets
$513M
Total balance-sheet footings
FDIC Cert #11228 · Whitewater, Wisconsin · Est. 1863
First Citizens State Bank - FDIC Bank Health Profile
A community-scale look at First Citizens State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $513M
- Total assets
- A
- Health grade · Excellent
- 1.58%
- Return on assets
- 17.8%
- Tier 1 capital
Data updated July 2026
The verdict
First Citizens State Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 17.82% Tier 1, profitable at 1.58% ROA, efficient (49% cost ratio).
- #1,755
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 17.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 77th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Citizens State Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Citizens State Bank's composite health score
Tier 1 Capital Ratio (17.82%) 40/40
Return on Assets (ROA) (1.58%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (49.48%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$379M
Customer-funded liabilities
Net Loans
$346M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Citizens State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Citizens State Bank's score of 100/100 falls in the highlighted band.
First Citizens State 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). First Citizens State Bank's $513M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.82%
Texas Ratio
0.00%
Equity Capital
$89M
Profitability metrics
Return on Assets (ROA)
77th percentile nationally
1.58%
Return on Equity (ROE)
9.41%
Efficiency Ratio
49.48%
What the numbers say about First Citizens State Bank
First Citizens State Bank is an FDIC-insured institution (Certificate #11228) headquartered in Whitewater, Wisconsin, established in 1863. It holds $513M in total assets - 1,755th of 4,313 FDIC-insured banks, $379M in customer deposits, and $346M in net loans. Capital-wise, the Tier 1 ratio sits at 17.82%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Citizens State Bank sits 64th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$3M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Citizens State Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) First Citizens State Bank (FDIC Cert #11228) - 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 First Citizens State Bank's health grade?▼
First Citizens State Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Citizens State Bank?▼
First Citizens State Bank holds $513M in total assets and $379M in deposits, ranking 1,755th of 4,313 FDIC-insured banks by asset size. It is headquartered in Whitewater, Wisconsin.
Is my money safe at First Citizens State Bank?▼
Yes, deposits at First Citizens State Bank (Certificate #11228) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Citizens State Bank's Tier 1 Capital Ratio?▼
First Citizens State Bank has a Tier 1 Capital Ratio of 17.82%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Citizens State Bank?▼
First Citizens State Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Citizens State Bank?▼
First Citizens State Bank has an Efficiency Ratio of 49.48%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Citizens State Bank's profile as a depositor or analyst.
- First Citizens State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Citizens State 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.