Side-by-side · Q2 2026 data
First Citizens State Bank vs Waukesha State Bank
Metric by metric
| Measure | First Citizens State Bank | Waukesha State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 40 | 50 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 95th | 90th |
| Total assets | $525.2M | $1.6B |
| Deposits / shares | $355.3M | $1.3B |
| Capital ratio | 18.00% (stronger) | 11.51% |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.85% | 2.38% (stronger) |
| Loans ÷ deposits | 109.2% | 93.2% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 30.1% |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
First Citizens State Bank has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Citizens State Bank leads on 5 and Waukesha State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.