BlastPoint's Banking Scorecard

First Citizens State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 11228

Whitewater, WI

8 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

First Citizens State Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 29.7% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.45% above tier average
+ Efficiency Ratio 16.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 23.0% in tier
- Net Interest Margin 0.17% below tier average

Get updates when First Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$511.4M -0.9% YoY -0.4% QoQ	+$125.3M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$364.8M +16.2% YoY +5.3% QoQ	+$109.0M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$370.1M -2.7% YoY -2.4% QoQ	+$42.1M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.72% +27.0% YoY +8.6% QoQ	+0.45%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	3.76% +19.0% YoY +8.9% QoQ	-0.17%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	48.67% -7.1% YoY -1.6% QoQ	-16.62%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 13.6% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	98.56% +19.3% YoY +7.9% QoQ	+21.92%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 10.1% in tier
Non-Interest-Bearing Deposit Share ?	19.60% +4.8% YoY +2.8% QoQ	-2.42%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.54% +10.7% YoY -1.6% QoQ	+1.71%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.14% +19.2% YoY -76.1% QoQ	-0.14%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#198 of 664 • Top 29.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#171 of 739 • Bottom 23.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.54%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 98.56%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

364

Efficiency Ratio

profitability

Value: 48.67%

Peer Median: 65.29%

#364 of 2664 Top 13.6% in $100M-$1B

546

Tier 1 Capital Ratio

capital

Value: 17.54%

Peer Median: 15.83%

#546 of 2664 Top 20.5% in $100M-$1B

578

Return on Assets

profitability

Value: 1.72%

Peer Median: 1.27%

#578 of 2664 Top 21.7% in $100M-$1B

636

Total Loans

size

Value: $364.75M

Peer Median: $255.72M

#636 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2395

Loan-to-Deposit Ratio

liquidity

Value: 98.56%

Peer Median: 76.64%

#2395 of 2664 Bottom 10.1% in $100M-$1B