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Citizens First Bank

$100M-$1B Specialty: Commercial WI FDIC cert 13032

Viroqua, WI

6 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 +4.1% year over year ($283.1M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 1.93%.
  • Efficiency ratio 58.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.10% 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) →

Citizens First Bank has 4 strengths but faces 1 concern

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

  • + Profitability Leader: Top 15.0% in tier
  • + Net Interest Margin 0.34% above tier average
  • + Efficiency Ratio 5.87% below tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 40.7% in tier
Get updates when Citizens First 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 ? $344.5M
+4.4% YoY +0.1% QoQ
-$42.1M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $252.3M
+5.1% YoY +0.5% QoQ
-$6.1M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $283.1M
+4.1% YoY +0.3% QoQ
-$43.6M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.93%
+52.9% YoY -0.6% QoQ
+0.61% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 4.32%
+16.6% YoY +2.8% QoQ
+0.34% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 58.61%
-14.2% YoY +1.7% QoQ
-5.87% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.44%
-5.6% YoY +28.3% QoQ
-0.48% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 89.10%
+1.0% YoY +0.1% QoQ
+11.15% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 21.76%
+14.8% YoY +1.2% QoQ
-0.27% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.32%
-4.9% YoY +28.7% QoQ
-0.35% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 10.26%
-1.8% YoY +0.1% QoQ
-5.65% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 13.8% in tier
Non-Interest Income / Assets ? 0.33%
+24.1% YoY +86.8% QoQ
-0.24% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
76%

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 21.8%
+2.8pp YoY
+0.3pp QoQ
 -0.4pp 22.1% 18.9% 22.2% 53%
Brokered Deposits 4.6%
-10.1pp YoY
-2.6pp QoQ
 -3.3pp 7.9% 9.2% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 8.3%
+1.0pp YoY
+1.7pp QoQ
 -3.3pp 11.6% 10.5% 12.5% 42%
CRE 61.1%
-1.0pp YoY
-1.3pp QoQ
 +21.6pp 39.5% 46.4% 41.4% 86%
1-4 Family 15.8%
+0.7pp YoY
+0.2pp QoQ
 -16.8pp 32.6% 32.3% 31.3% 21%
Consumer 1.4%
-0.1pp YoY
0.0pp QoQ
 -2.7pp 4.1% 2.6% 5.0% 37%

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 10.3%
-0.2pp YoY
0.0pp QoQ
 -1.9pp 12.2% 12.6% 12.6% 37%
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 55
-1 (-1.8%) YoY
-3 (-5.2%) QoQ
 -4 58 134 482 58%
Assets per Employee ($) $6.3M
+6.3% YoY
+5.5% QoQ
 -$1.3M $7.5M $8.2M $8.8M 38%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

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 0.4%
0.0pp YoY
+0.1pp QoQ
 -0.5pp 0.9% 0.9% 1.0% 50%
Allowance Coverage 2.89x
+3.6% YoY
-22.4% QoQ
 -21.27x 24.15x 56.89x 20.23x 57%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 20.1%
+6.2pp YoY
-0.1pp QoQ
 +7.9pp 12.2% 11.8% 11.6% 88%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 66%
Net Income ($, YTD) $3.3M
+61.9% YoY
— QoQ
 +$765K $2.6M $7.9M $40.4M 73%

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)

Profitability Leader

growth
#100 of 661 • Top 15.0% in tier

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

Why this signature
Return on Assets: 1.93%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk
#270 of 661 • Bottom 40.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.26%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (2 metrics)

398
Return on Assets
profitability
Value: 1.93%
Peer Median: 1.32%
#398 of 2643 Top 15.0% in $100M-$1B
627
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (1 metrics)

2279
Tier 1 Capital Ratio
capital
Value: 10.26%
Peer Median: 15.91%
#2279 of 2643 Bottom 13.8% in $100M-$1B
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