First Citizens State Bank
Whitewater, WI
IDRSSD: 831642
Total Assets
$513.33M
Latest filing
Total Deposits
$379.13M
Latest filing
Net Interest Margin
3.73%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Citizens State Bank
207 W Main St
Whitewater, WI 53190
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/25/1863FDIC Certificate 7164
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Citizens State Bank (Main) | 207 W Main St | Whitewater, WI |
| WEST BRANCH | 1058 W Main St | Whitewater, WI |
| FAIRHAVEN RETIREMENT COMMUNITY BRANCH | 435 W Starin Rd | Whitewater, WI |
| MULBERRY GLEN RETIREMENT COMMUNITY BRANCH | 1281 W Main St | Whitewater, WI |
| EAST TROY BRANCH | 2546 Main St | East Troy, WI |
| EAST TROY SENIOR HOUSING FACILITY | 3223 North St | East Troy, WI |
| MESSENGER SERVICE AT WHITEWATER | 207 W Main St | Whitewater, WI |
| PALMYRA BRANCH | 111 E Main St | Palmyra, WI |
Showing 7 of 7
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 | 10/25/1863 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53190 |
| State and County Number | 55127 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Whitewater, WI |
Operational Info
| Number of Employees | 74 |
| Domestic Offices | 8 |
| 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 | www.firstcitizensww.com |
| Data Updated | 01/30/2026 |
| CERT | 11228 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $513.33M |
| Total Deposits | $379.13M |
| Total Liabilities | $424.67M |
| Total Equity Capital | $88.66M |
| Net Income | $2.13M |
| Net Loans and Leases | $346.27M |
| Assets Per Employee ($Millions) | $6.58M |
| Bank Premises and Fixed Assets | $3.28M |
| Cash and Balances due from Depository Institutions | $18.84M |
| Deposits Held in Domestic Offices | $379.13M |
Key Performance Ratios
| Return on Assets (ROA) | 1.69% |
| Return on Equity (ROE) | 9.69% |
| Net Interest Margin | 3.73% |
| Efficiency Ratio | 49.06% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.272% |
| Earning Assets to total Assets | 93.72% |
Income and Expense
| Total Interest Income | $6.54M |
| Total Noninterest Income | $892.00k |
| Total Interest Expense | $2.16M |
| Total Noninterest Expense | $2.59M |
| Net Interest Income | $4.38M |
| Pre-tax Net Operating Income | $2.60M |
| Provision for Credit Losses | $85.00k |
| 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 | $37.87M |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.86M |
| Federal Funds Purchased and Repurchased Agreement | $1.67M |
| All Other Liabilities | $6.00M |
| Total Liabilities and Capital | $513.33M |
Securities
| Securities | $112.12M |
| Available-for-sale debt securities | $9.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $102.77M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Citizens State Bank?
$513.33M as of the latest filing.
How much are First Citizens State Bank's total deposits?
$379.13M in total deposits.
Where is First Citizens State Bank located?
Whitewater, WI.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
8.
When was it established?
10/25/1863.
What is the Return on Assets (ROA)?
1.69%.
How much are total loans and leases?
$346.27M (latest filing).
What is the total interest income (latest filing)?
$6.54M.