Bank · FDIC insured
Citizens First Bank
A $344.5M bank headquartered in Viroqua, WI, with 6 branches in Wisconsin.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—4.09%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens First Bank
Founded in 1969 to help communities thrive by enabling financial dreams, Citizens First Bank is a fourth-generation, family-owned community bank.
Serving southwest Wisconsin across six locations, the bank was formed in 2005 through the merger of Citizens State Bank and First National Bank of Viroqua.
- Headquarters
- 101 S Main St, Viroqua, WI 54665
- FDIC certificate
- 13032 ↗
Branches
6 branches in Wisconsin
Loading map…
Wisconsin
6 branches
Trempealeau area · 2
- Centerville BranchW25042 State Road 54 35, Trempealeau, WI 54661Directions
- Trempealeau Branch24050 3rd St, Trempealeau, WI 54661Directions
Viroqua area · 1
- Citizens First BankMain office101 S Main St, Viroqua, WI 54665Directions
Holmen area · 1
- Holmen Branch1757 Temte Street, Holmen, WI 54636Directions
Sparta area · 1
- Sparta Branch835 W Wisconsin St, Sparta, WI 54656Directions
Viola area · 1
- Viola Branch102 W Commercial St, Viola, WI 54664Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.26% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.44% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.93% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio10.26%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.44%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.93%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens First Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.