TellerScore

Citizens Bank (FDIC certificate #13055) is based in Mukwonago, Wisconsin. Its Q2 2026 call report shows $1.2B in total assets and $996.0M in deposits and 11 offices.

Based on its Q2 2026 filing, Citizens Bank scores 83/100, which we describe as strong. That is higher than 94% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 27th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is funding & liquidity (63/100; 75% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.64%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 75.3% · 34.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (81 → 83), mostly because the earnings component improved by 8 points.

TellerScore
597284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202462
Q1 202578
Q2 202581
Q3 202583
Q4 202584
Q1 202680
Q2 202683
Tier 1 leverage ratio
5.00%9.62%14.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.27%
Q3 202413.56%
Q4 202413.75%
Q1 202513.62%
Q2 202513.71%
Q3 202514.05%
Q4 202514.24%
Q1 202613.45%
Q2 202613.64%
Noncurrent loans
0.30%1.39%2.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.46%
Q3 20242.47%
Q4 20242.37%
Q1 20250.42%
Q2 20250.37%
Q3 20250.38%
Q4 20250.35%
Q1 20260.38%
Q2 20260.30%
Return on assets
0.85%1.12%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.07%
Q4 20241.18%
Q1 20250.85%
Q2 20251.21%
Q3 20251.30%
Q4 20251.38%
Q1 20261.26%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.2B13.64%0.30%1.39%75.3%
Q1 202680$1.2B13.45%0.38%1.26%77.6%
Q4 202584$1.2B14.24%0.35%1.38%74.9%
Q3 202583$1.1B14.05%0.38%1.30%73.6%
Q2 202581$1.1B13.71%0.37%1.21%75.9%
Q1 202578$1.1B13.62%0.42%0.85%73.7%
Q4 202462$1.1B13.75%2.37%1.18%75.7%
Q3 202460$1.1B13.56%2.47%1.07%77.4%
Q2 202459$1.1B13.27%2.46%1.07%77.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.64%
88th
Total risk-based capital0.00%
13th
Problem loans0.30%
67th
Net charge-offs0.13%
26th
Return on assets1.39%
62nd
Net interest margin3.84%
58th
Efficiency ratio54.8%
63rd
Loans to deposits75.3%
76th
Uninsured deposits34.2%
40th
Loan-loss reserves1.20%
59th
Texas ratio1.4%
77th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Wisconsin DellsBank Wisconsin Dells, WI79 out of 100, Strong$1.1B12.1%0.09%vs
Ixonia BankBank Ixonia, WI67 out of 100, Moderate$1.1B10.0%0.25%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
Bank CmgBank Madison, WI65 out of 100, Moderate$1.1B9.6%0.24%vs
Forward BankBank Marshfield, WI64 out of 100, Moderate$1.3B9.2%0.28%vs
Security Financial BankBank Durand, WI61 out of 100, Moderate$1.0B9.7%1.44%vs

Deposit insurance

Is my money safe at Citizens Bank?

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #13055). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.2% of deposits ($340.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Citizens Bank lists 11 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Bank reported 180 home-loan applications under HMDA (LEI 5493002FSR6V2NM1K863): 129 originated ($45,325,000 total), 22 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Bank
Former names
Citizens Bank of Mukwonago
Type
State-chartered bank
FDIC certificate #
13055
RSSD ID
783844
Primary regulator
FDIC
Holding company
Citizens Bank Holding Inc
Established
December 12, 1892
Headquarters
301 N Rochester St, Mukwonago, WI 53149
Employees
161

Quick answers

Citizens Bank: common questions

Is Citizens Bank FDIC insured?

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #13055). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Bank ever failed?

There is no failure record for FDIC certificate #13055 in the FDIC failed bank list.

How many branches does Citizens Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mukwonago

InstitutionScoreAssetsCapitalProblem loansCompare
Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV97 out of 100, Very strong$21.3M26.3%0.04%vs
Umatilla County Federal Credit UnionCredit union Pendleton, OR92 out of 100, Very strong$47.7M19.0%0.06%vs
First Citizens State BankBank Whitewater, WI90 out of 100, Very strong$525.2M18.0%0.00%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
1st Class Express Credit UnionCredit union Waukesha, WI86 out of 100, Very strong$2.1M22.9%0.30%vs