CITIZENS FIRST BANK

VIROQUA, WI | Small | Est. Jan. 1, 1912, midnight | FDIC #13032 | RSSD #716954 | FDIC
Latest Report: 2025-12-31

CITIZENS FIRST BANK is asn small FDIC-insured commercial bank headquartered in VIROQUA, WI, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $345M and total deposits of $282M. Profitability stands at 1.27% ROA and 12.98% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 8.89%. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 3.61%. FDIC Certificate #13032.

Assets

$345M

Deposits

$282M

Loans

$249M

Equity

$34M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 12.98%
Net Interest Margin (NIM) 4.15%
Yield on Assets 6.29%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.61%
NPA Ratio 0.39%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 8.89%
Tier 1 Capital 8.89%
Total Capital Ratio 9.34%
Leverage Ratio 10.54%
Loan-to-Deposit 88.40%

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