First Citizens State Bank
Whitewater, WI · State, non-member commercial bank
Sonar Score
Strong
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $525.2M
- Total deposits
- $355.3M
- Branches
- 8
- Return on assets
- 1.85%
- Return on equity
- 10.50%
- Charter type
- State, non-member commercial bank
- Established
- 1863
- FDIC cert #
- 11228
How the 85 breaks down
Well-capitalized by regulatory thresholds.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at First Citizens State Bank
First Citizens State Bank is an FDIC-insured institution (Cert #11228). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
8 branch locations
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
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