The Portage County Bank vs First Citizens State Bank
Comparing a Bank in Almond, WI with a Bank in Whitewater, WI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Portage County Bank ↗ Bank · Almond, WI · Est. 1901 | First Citizens State Bank ↗ Bank · Whitewater, WI · Est. 1863 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Almond, WI | Whitewater, WI |
| Total assets | $212.6M | $511.4M |
| Capital ratio | 12.5% | 17.8% |
| Return on assets | 1.3% | 1.7% |
| Deposits | $176.6M | $370.1M |
| Branches | 4 | 8 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 154 | #6 of 154 |
| Established | 1901 | 1863 |
The Portage County Bank
- Assets: $212.6M
- Deposits: $176.6M
- Capital ratio: 12.5%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 154
First Citizens State Bank
- Assets: $511.4M
- Deposits: $370.1M
- Capital ratio: 17.8%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #6 of 154
Are both institutions federally insured?
Yes. The Portage County Bank is FDIC-insured and First Citizens State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Portage County Bank or First Citizens State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Portage County Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Portage County Bank safe?
Yes — The Portage County Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First Citizens State Bank safe?
Yes — First Citizens State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Portage County Bank vs First Citizens State Bank?
The Portage County Bank has a capital ratio of 12.5%, placing it in the top 23% of $100M–1B peers. First Citizens State Bank's ratio is 17.8%, placing it in the top 5% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Portage County Bank have compared to First Citizens State Bank?
The CFPB database shows 0 complaints against The Portage County Bank, and 0 complaints against First Citizens State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Portage County Bank with other Banks in Wisconsin
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
