Citizens First Bank
Viroqua, WI
IDRSSD: 716954
Total Assets
$344.56M
Latest filing
Total Deposits
$281.65M
Latest filing
Net Interest Margin
4.12%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens First Bank
101 S Main St
Viroqua, WI 54665
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1912FDIC Certificate 8238
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens First Bank (Main) | 101 S Main St | Viroqua, WI |
| SPARTA BRANCH | 835 W Wisconsin St | Sparta, WI |
| TREMPEALEAU BRANCH | 24050 3rd St | Trempealeau, WI |
| CENTERVILLE BRANCH | 24050 3rd St | Trempealeau, WI |
| HOLMEN BRANCH | 1757 Temte Street | Holmen, WI |
| VIOLA BRANCH | 102 W Commercial St | Viola, WI |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54665 |
| State and County Number | 55123 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.citizensfirstbank.net |
| Data Updated | 01/30/2026 |
| CERT | 13032 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $344.56M |
| Total Deposits | $281.65M |
| Total Liabilities | $310.96M |
| Total Equity Capital | $33.60M |
| Net Income | $1.08M |
| Net Loans and Leases | $245.78M |
| Assets Per Employee ($Millions) | $5.94M |
| Bank Premises and Fixed Assets | $6.43M |
| Cash and Balances due from Depository Institutions | $14.75M |
| Deposits Held in Domestic Offices | $281.65M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 12.98% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 66.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.751% |
| Earning Assets to total Assets | 92.91% |
Income and Expense
| Total Interest Income | $4.90M |
| Total Noninterest Income | $496.00k |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $2.49M |
| Net Interest Income | $3.23M |
| Pre-tax Net Operating Income | $1.24M |
| Provision for Credit Losses | $2.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $28.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.31M |
| Total Liabilities and Capital | $344.56M |
Securities
| Securities | $64.62M |
| Available-for-sale debt securities | $64.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens First Bank?
$344.56M as of the latest filing.
How much are Citizens First Bank's total deposits?
$281.65M in total deposits.
Where is Citizens First Bank located?
Viroqua, WI.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$245.78M (latest filing).
What is the total interest income (latest filing)?
$4.90M.