First Citizens State Bank (FDIC certificate #11228) is based in Whitewater, Wisconsin. Its Q2 2026 call report shows $525.2M in total assets and $355.3M in deposits and 8 offices.
Based on its Q2 2026 filing, First Citizens State Bank scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 9th. Its strongest component is capital cushion (100/100; 18.00%), and its lowest is funding & liquidity (40/100; 109% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 87 |
| Q4 2024 | 86 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 89 |
| Q4 2025 | 89 |
| Q1 2026 | 90 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.96% |
| Q3 2024 | 17.50% |
| Q4 2024 | 16.65% |
| Q1 2025 | 15.84% |
| Q2 2025 | 16.74% |
| Q3 2025 | 17.48% |
| Q4 2025 | 17.82% |
| Q1 2026 | 17.54% |
| Q2 2026 | 18.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.72% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $525.2M | 18.00% | 0.00% | 1.85% | 109.2% |
| Q1 2026 | 90 | $511.4M | 17.54% | 0.00% | 1.72% | 98.6% |
| Q4 2025 | 89 | $513.3M | 17.82% | 0.00% | 1.58% | 91.3% |
| Q3 2025 | 89 | $491.4M | 17.48% | 0.00% | 1.55% | 91.6% |
| Q2 2025 | 89 | $494.5M | 16.74% | 0.00% | 1.49% | 87.0% |
| Q1 2025 | 88 | $515.9M | 15.84% | 0.00% | 1.35% | 82.6% |
| Q4 2024 | 86 | $516.4M | 16.65% | 0.00% | 1.20% | 85.1% |
| Q3 2024 | 87 | $465.2M | 17.50% | 0.00% | 1.16% | 90.1% |
| Q2 2024 | 87 | $446.4M | 17.96% | 0.00% | 1.18% | 92.1% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Coulee BankBank La Crosse, WI | 39 out of 100, Low | $524.4M | 9.1% | 2.50% | vs |
| Woodford State BankBank Monroe, WI | 66 out of 100, Moderate | $523.4M | 8.1% | 0.36% | vs |
| Bank of Lake MillsBank Lake Mills, WI | 74 out of 100, Strong | $533.8M | 11.2% | 0.69% | vs |
| State Bank of ChiltonBank Chilton, WI | 80 out of 100, Strong | $516.5M | 12.7% | 0.58% | vs |
| State Bank FinancialBank La Crosse, WI | 73 out of 100, Strong | $512.1M | 9.9% | 0.11% | vs |
| Mound City BankBank Platteville, WI | 86 out of 100, Very strong | $550.7M | 13.1% | 0.11% | vs |
Deposit insurance
Is my money safe at First Citizens State Bank?
Yes. First Citizens State Bank is an FDIC-insured institution (FDIC certificate #11228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.1% of deposits ($89.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.00%, 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%).
8 locations
Branches
First Citizens State Bank lists 4 offices in 3 cities. Most locations:
- Whitewater, WI (2)
- East Troy, WI (1)
- Palmyra, WI (1)
Identity & history
Profile
- Legal name
- First Citizens State Bank
- Former names
- The First Citizens State Bank of Whitewater, Wisconsin
- Type
- State-chartered bank
- FDIC certificate #
- 11228
- RSSD ID
- 831642
- Primary regulator
- FDIC
- Holding company
- Whitewater Bcorp Inc
- Established
- October 25, 1863
- Headquarters
- 207 W Main St, Whitewater, WI 53190
- Website
- www.firstcitizensww.com
- Employees
- 76
Quick answers
First Citizens State Bank: common questions
Is First Citizens State Bank FDIC insured?
Yes. First Citizens State Bank is an FDIC-insured institution (FDIC certificate #11228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Citizens State Bank's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Citizens State Bank ever failed?
There is no failure record for FDIC certificate #11228 in the FDIC failed bank list.
How many branches does First Citizens State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Whitewater
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Mukwonago, WI | 83 out of 100, Strong | $1.2B | 13.6% | 0.30% | vs |
| Badger BankBank Fort Atkinson, WI | 82 out of 100, Strong | $206.0M | 12.4% | 0.07% | vs |
| Educators Credit UnionCredit union Racine, WI | 81 out of 100, Strong | $4.0B | 13.9% | 0.97% | vs |
| WaterStone Bank, SSBBank Wauwatosa, WI | 81 out of 100, Strong | $2.3B | 15.4% | 0.36% | vs |
| Teachers Credit UnionCredit union Beloit, WI | 81 out of 100, Strong | $37.6M | 12.2% | 0.16% | vs |
| Waukesha State BankBank Waukesha, WI | 80 out of 100, Strong | $1.6B | 11.5% | 0.25% | vs |