First Citizens State Bank is a bank based in Whitewater, Wisconsin, established in 1863, with $511 million in total assets across 8 branches. By Trust Grade it ranks 6th of 154 banks we track in Wisconsin. Its capital ratio of 17.8% is stronger than 95% of similarly sized banks, versus a Wisconsin median of 10.4%. It was profitable over the most recent period, with a 1.72% return on assets. No consumer complaints against First Citizens State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Citizens State Bank compares to Wisconsin peers
How we graded First Citizens State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.8% capital ratio)
- Strongly profitable (ROA 1.72%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Citizens State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 1058 W Main St, Whitewater, WI 53190
- 435 W Starin Rd, Whitewater, WI 53190
- 1281 W Main St, Whitewater, WI 53190
- 2546 Main St, East Troy, WI 53120
- 3223 North St, East Troy, WI 53120
- 207 W Main St, Whitewater, WI 53190
- 207 W Main St, Whitewater, WI 53190
- 111 E Main St, Palmyra, WI 53156
Are deposits at First Citizens State Bank insured?
Yes. First Citizens State Bank is an FDIC-insured bank (FDIC certificate #11228). 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.
First Citizens State Bank: frequently asked questions
Is First Citizens State Bank a good bank?
First Citizens State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.8% capital ratio); Strongly profitable (ROA 1.72%).
Is First Citizens State Bank FDIC-insured?
Yes. First Citizens State Bank is a FDIC-insured bank (FDIC certificate #11228). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Citizens State Bank?
First Citizens State Bank holds $511 million in total assets, ranking 6th of 154 banks we track in Wisconsin. It operates 8 branches.
Does First Citizens State Bank have CFPB complaints?
No CFPB complaints against First Citizens State 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.
