Bank · FDIC insured
First Citizens State Bank
A $525.2M bank headquartered in Whitewater, WI, with 4 branches in Wisconsin. Best rates: CDs 4.15% and savings 0.05% APY.
First Citizens State Bank Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#11 of 15 in Whitewater, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Citizens State Bank
Locally owned and operated since 1863, First Citizens State Bank maintains full-service branch offices in Whitewater, East Troy, and Palmyra, serving communities across Southeastern Wisconsin.
- Headquarters
- 207 W Main St, Whitewater, WI 53190
- FDIC certificate
- 11228 ↗
Branches
4 branches in Wisconsin
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Wisconsin
4 branches
Whitewater area · 3
- First Citizens State BankMain office207 W Main St, Whitewater, WI 53190Directions
- East Troy Branch2546 Main St, East Troy, WI 53120Directions
- West Branch1058 W Main St, Whitewater, WI 53190Directions
Watertown area · 1
- Palmyra Branch111 E Main St, Palmyra, WI 53156Directions
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 | 18.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $111 | $81 | — |
- CapitalLeverage ratio18.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$111Peers’ 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 First Citizens State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.