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First Citizens State Bank

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

Whitewater, WI

8 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits -1.9% year over year ($355.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.85%.
  • Efficiency ratio 47.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 109.24% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (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 27.9% in tier
  • + Profitability Leader: Top 42.2% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 17.35% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 16.6% in tier
  • - Net Interest Margin 0.14% below tier average
Get updates when First Citizens State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $525.2M
+6.2% YoY +2.7% QoQ
+$138.7M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $388.1M
+23.2% YoY +6.4% QoQ
+$129.8M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $355.3M
-1.9% YoY -4.0% QoQ
+$28.6M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 1.85%
+23.9% YoY +7.5% QoQ
+0.52% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 3.85%
+17.8% YoY +2.5% QoQ
-0.14% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 47.13%
-6.0% YoY -3.2% QoQ
-17.35% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 11.9% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 109.24%
+25.6% YoY +10.8% QoQ
+31.29% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ? 20.46%
+4.2% YoY +4.4% QoQ
-1.57% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 18.00%
+7.5% YoY +2.6% QoQ
+2.09% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.33%
+14.1% YoY +130.4% QoQ
-0.23% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 20.5%
+0.8pp YoY
+0.9pp QoQ
 -1.7pp 22.1% 18.9% 22.2% 47%
Brokered Deposits 4.5%
-3.3pp YoY
+0.2pp QoQ
 -3.3pp 7.9% 9.2% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 7.7%
+1.9pp YoY
+2.0pp QoQ
 -3.8pp 11.6% 10.5% 12.5% 38%
CRE 59.4%
+2.6pp YoY
-0.6pp QoQ
 +19.8pp 39.5% 46.4% 41.4% 84%
1-4 Family 30.2%
-2.3pp YoY
-1.1pp QoQ
 -2.5pp 32.6% 32.3% 31.3% 52%
Consumer 1.0%
-0.3pp YoY
0.0pp QoQ
 -3.1pp 4.1% 2.6% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 18.0%
+1.3pp YoY
+0.5pp QoQ
 +5.8pp 12.2% 12.6% 12.6% 95%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 76
+7 (+10.1%) YoY
-1 (-1.3%) QoQ
 +17 58 134 482 75%
Assets per Employee ($) $6.9M
-3.6% YoY
+4.1% QoQ
 -$607K $7.5M $8.2M $8.8M 51%
Branch Count 8
0 YoY
0 QoQ
 +3 4 9 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 56.89x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 10.5%
+1.4pp YoY
+0.7pp QoQ
 -1.7pp 12.2% 11.8% 11.6% 40%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 59%
Net Income ($, YTD) $4.8M
+25.8% YoY
— QoQ
 +$2.2M $2.6M $7.9M $40.4M 86%

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 (2)

Credit Quality Leader

growth
#185 of 659 • Top 27.9% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#280 of 661 • Top 42.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.85%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#124 of 742 • Bottom 16.6% 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: 18.00%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 109.24%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
315
Efficiency Ratio
profitability
Value: 47.13%
Peer Median: 64.48%
#315 of 2643 Top 11.9% in $100M-$1B
480
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.32%
#480 of 2643 Top 18.1% in $100M-$1B
507
Tier 1 Capital Ratio
capital
Value: 18.00%
Peer Median: 15.91%
#507 of 2643 Top 19.1% in $100M-$1B
583
Total Loans
size
Value: $388.13M
Peer Median: $258.35M
#583 of 2643 Top 22.0% in $100M-$1B
609
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#609 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (1 metrics)

2558
Loan-to-Deposit Ratio
liquidity
Value: 109.24%
Peer Median: 77.95%
#2558 of 2643 Bottom 3.3% in $100M-$1B
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