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Citizens First Bank

Viroqua, WI
IDRSSD: 716954
Total Assets
$332.89M
Latest filing
Total Deposits
$272.77M
Latest filing
Net Interest Margin
3.91%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1912
Community BankYes
Ownership TypeNot Mutual
ZIP54665
State and County Number55123
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees56
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.citizensfirstbank.net
Data Updated11/14/2025
CERT13032
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$332.89M
Total Deposits$272.77M
Total Liabilities$300.19M
Total Equity Capital$32.70M
Net Income$1.30M
Net Loans and Leases$240.01M
Assets Per Employee ($Millions)$5.74M
Bank Premises and Fixed Assets$6.49M
Cash and Balances due from Depository Institutions$6.81M
Deposits Held in Domestic Offices$272.77M

Key Performance Ratios

Return on Assets (ROA)1.57%
Return on Equity (ROE)16.45%
Net Interest Margin3.91%
Efficiency Ratio62.22%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.823%
Earning Assets to total Assets92.58%

Income and Expense

Total Interest Income$4.76M
Total Noninterest Income$467.00k
Total Interest Expense$1.75M
Total Noninterest Expense$2.16M
Net Interest Income$3.01M
Pre-tax Net Operating Income$1.31M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$25.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$700.00k
All Other Liabilities$1.72M
Total Liabilities and Capital$332.89M

Securities

Securities$66.78M
Available-for-sale debt securities$66.72M
Equity securities with readily determinable fair values not held for trading$0
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?
$332.89M as of the latest filing.
How much are Citizens First Bank's total deposits?
$272.77M in total deposits.
Where is Citizens First Bank located?
Viroqua, WI.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$240.01M (latest filing).
What is the total interest income (latest filing)?
$4.76M.