First Citizens State Bank
Whitewater, WI · Cert 11228 · Peer group: banks under $1B in assets in WI (n=110-113) · Whitewater Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$525.2MAssets
$395.2MLoans
$355.3MDeposits
$93.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets in WI (rank 93 of 110).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.82%
Rank 16 of 113
Net Interest Margin
3.62%
Rank 54 of 113
Efficiency Ratio
47.13%
Rank 18 of 113
Equity / Assets
17.70%
Rank 9 of 113
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 85% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.82% | 0.85% | 1.17% | 1.51% | Beats 86% | 16 / 113 | |
| Return on Equity | 10.26% | 7.70% | 10.77% | 13.67% | Beats 43% | 64 / 113 | |
| Net Interest Margin | 3.62% | 3.19% | 3.59% | 3.89% | Beats 52% | 54 / 113 | |
| Efficiency Ratio | 47.13% | 54.61% | 62.43% | 71.88% | Beats 85% | 18 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.01% | Beats 16% | 93 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 18.00% | 11.22% | 12.95% | 15.76% | Beats 81% | 21 / 113 | |
| Total Risk-Based Capital Ratio | 18.00% | 11.57% | 13.59% | 16.73% | Beats 81% | 22 / 113 | |
| Equity / Assets | 17.70% | 9.17% | 10.74% | 13.13% | Beats 92% | 9 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 111.23% | 76.54% | 86.37% | 98.93% | 95th pctl | 6 / 112 | |
| Loans / Assets | 75.24% | 63.07% | 71.33% | 78.84% | 61st pctl | 44 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |