🏦Bank Scorer

FIRST CITIZENS STATE BANK

WHITEWATER, WI · Supervised by FDIC

Est. 1863FDIC #11,228RSSD: FDIC-11228
Part ofWHITEWATER BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.72%

Institution Profile

FDIC BankFind

Address

207 W Main St, WHITEWATER, WI

County

Walworth County

Established

October 25, 1863

Total Assets

$511M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$511M

Total Deposits

$370M

Net Loans

$365M

Net Income

$2M

ROA

1.72%

ROE

9.80%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$362M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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