Citizens First Bank is a bank based in Viroqua, Wisconsin, established in 1912, with $344 million in total assets across 6 branches. By Trust Grade it ranks 87th of 154 banks we track in Wisconsin. Its capital ratio of 9.5% trails most similarly sized banks (38th percentile), versus a Wisconsin median of 10.4%. It was profitable over the most recent period, with a 1.94% return on assets. No consumer complaints against Citizens First Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens First Bank compares to Wisconsin peers
How we graded Citizens First Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Strongly profitable (ROA 1.94%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens First Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 835 W Wisconsin St, Sparta, WI 54656
- 24050 3rd St, Trempealeau, WI 54661
- 24050 3rd St, Trempealeau, WI 54661
- 1757 Temte Street, Holmen, WI 54636
- 101 S Main St, Viroqua, WI 54665
- 102 W Commercial St, Viola, WI 54664
Are deposits at Citizens First Bank insured?
Yes. Citizens First Bank is an FDIC-insured bank (FDIC certificate #13032). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens First Bank: frequently asked questions
Is Citizens First Bank a good bank?
Citizens First Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Strongly profitable (ROA 1.94%).
Is Citizens First Bank FDIC-insured?
Yes. Citizens First Bank is a FDIC-insured bank (FDIC certificate #13032). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens First Bank?
Citizens First Bank holds $344 million in total assets, ranking 87th of 154 banks we track in Wisconsin. It operates 6 branches.
Does Citizens First Bank have CFPB complaints?
No CFPB complaints against Citizens First Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
