Advertisement
Citizens First Bank
Viroqua, WI · FDIC Certificate #13032 · Chartered 01/0
Total assets
$344.47M
Total deposits
$283.12M
Total equity
$32.96M
Net loans
$252.26M
Branches (offices)
6
Net income (YTD)
$3.32M
Rank: #2,273 of 4,213 U.S. banks by assets · #87 of 153 in Wisconsin. Assets changed 4.4% and deposits 4.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 20.09% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 9.57% |
| Tier 1 leverage ratio | 10.26% |
| Uninsured deposits (share of deposits) | 28.3% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 89.1% |
| Real estate loans (share of loans) | 85.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $215.31M | 85.4% | |
| Commercial & industrial | $20.95M | 8.3% | |
| Consumer / individual | $3.45M | 1.4% | |
| Construction & development | $20.22M | 8.0% | |
| Agricultural | $8.11M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $288.37M | $258.17M | $1.72M | $24.33M |
| Jun 2023 | $313.92M | $262.13M | $1.37M | $24.81M |
| Jun 2024 | $327.05M | $276.40M | $1.42M | $26.85M |
| Jun 2025 | $330.08M | $271.92M | $2.05M | $30.70M |
| Jun 2026 | $344.47M | $283.12M | $3.32M | $32.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $283.12M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.12M.
Similar-sized banks
First National Bank Of Hereford ($344.57M) · Buena Vista National Bank ($344.04M)
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.
Advertisement