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Citizens Bank
Mukwonago, WI · FDIC Certificate #13055 · Chartered 12/1
Total assets
$1.17B
Total deposits
$995.99M
Total equity
$152.51M
Net loans
$749.57M
Branches (offices)
11
Net income (YTD)
$8.16M
Rank: #917 of 4,213 U.S. banks by assets · #24 of 153 in Wisconsin. Assets changed 4.8% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 10.80% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 13.07% |
| Tier 1 leverage ratio | 13.64% |
| Uninsured deposits (share of deposits) | 34.2% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 75.3% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $666.25M | 88.9% | |
| Commercial & industrial | $80.52M | 10.7% | |
| Consumer / individual | $537.00K | 0.1% | |
| Construction & development | $69.05M | 9.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01B | $893.36M | $6.10M | $109.97M |
| Jun 2023 | $992.43M | $868.22M | $6.08M | $116.13M |
| Jun 2024 | $1.05B | $911.03M | $5.70M | $125.68M |
| Jun 2025 | $1.11B | $941.71M | $6.66M | $140.43M |
| Jun 2026 | $1.17B | $995.99M | $8.16M | $152.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $995.99M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $995.99M.
Similar-sized banks
The Honesdale National Bank ($1.17B) · First National Bank And Trust Company Of Newtown ($1.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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