First Citizens State Bank
Whitewater, WI · Owner: Whitewater Bcorp Inc
$525M
total assets, June 30, 2026
$525M
total assets, June 30, 2026
First Citizens State Bank is a state nonmember bank based in Whitewater, WI, owned by Whitewater Bcorp Inc. As of June 30, 2026 it held $525.2 million in assets and $355.3 million in deposits; assets were up 6.2% from a year before. It has 6 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$525M
+6.2% in a year · +2.7% in a quarter
Deposits
$355M
-1.9% in a year · -4.0% in a quarter
Loans
$395M
+22.9% in a year · +6.3% in a quarter
Profit so far
$4.8M
Jan 1 to Jun 30, 2026 · +25.8% in a year
Capital ratio
18.00%
+1.26 pts in a year
Return on assets
1.85%
+0.36 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 207 W Main St, Whitewater, WI, 53190
- County
- Walworth
- Holding company
- Whitewater Bcorp Inc
- Established
- Oct 25, 1863
- Employees
- 76
- Branches
- 6
- Website
- www.firstcitizensww.com
- Id
- b11228
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $355.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Wisconsin | 6 | $355M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| First Citizens State Bank (main office) | Whitewater, WI | $228M |
| East Troy Branch | East Troy, WI | $79.7M |
| Palmyra Branch | Palmyra, WI | $37.6M |
| West Branch | Whitewater, WI | $10.1M |
| Fairhaven Retirement Community Branch | Whitewater, WI | $0 |
| Mulberry Glen Retirement Community Branch | Whitewater, WI | $0 |
Related pages
Questions and answers
How big is First Citizens State Bank?
$525.2 million in total assets and $355.3 million in deposits as of June 30, 2026, with assets up 6.2% from a year before. Its loans were $395.2 million.
How many branches does First Citizens State Bank have?
6 branches in Wisconsin as of June 30, 2026.
Is First Citizens State Bank profitable?
Yes: it earned $4.77 million from January 1 to June 30, 2026 (up 25.8% from the same months a year before). Its return on assets was 1.85% a year; about 1% is typical.
Who owns First Citizens State Bank?
First Citizens State Bank is owned by Whitewater Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.