First Citizens State Bank
FDIC #11228
📍 Whitewater, Wisconsin
First Citizens State Bank is a commercial bank, state charter and fed nonmember, supervised by the fdic. established in 10/25/1863. With assets of $430.35 Million, it operates 8 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: May 1, 2023
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
May 1, 2023
Satisfactory
July 1, 2020
Outstanding
July 1, 2017
Outstanding
💰 Financial Strength
Total Assets$430.35 Million
Total Deposits$304.22 Million
Equity Capital$75.94 Million
Net Income$4.12 Million
📈 Performance
ROA1.28%
ROE7.35%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
Established10/25/1863
FDIC Cert11228
Holding CoWhitewater Bcorp Inc
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
🕰️ Lobby Hours
Monday8:30 AM - 5:00 PM
Tuesday8:30 AM - 5:00 PM
Wednesday8:30 AM - 5:00 PM
Thursday8:30 AM - 5:00 PM
Friday8:30 AM - 6:00 PM
Saturday8:30 AM - 12:00 PM
SundayClosed
📜 Institutional History
2016
Merger / Acquisition
Acquired: Palmyra State Bank
2006
Name Change
Name became: Changed Institution Name To First Citizens State Bank.