Citizens Bank (Mukwonago, WI)
BankRegReports is independent of Citizens Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in Mukwonago, WI, established in 1892 (FDIC certificate 13055), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.17B, up 4.8% from Q2 2025, the 24th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13055
- Headquarters
- Mukwonago, WI
- Established
- 1892
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 13.64%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 075906171
- Holding company
- CITIZENS BANK HOLDING, INC.
- Asset rank in state
- 24th of 153 in Wisconsin
Citizens Bank carries far more capital than most banks of its size. Its balance sheet stood at $1.2 billion at June 30, 2026, up 4.8% from a year earlier; it is based in Mukwonago, Wisconsin. It funds 13.64% of its assets with Tier 1 capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also carries problem assets equal to 1.4% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
As of June 30, 2026, Citizens Bank reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 1.43%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank is the 24th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $1.17B, loans fell 2.7% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 40.1% of total loans, ahead of 1-4 family residential loans at 15.0%. Its 11 offices in the FDIC Summary of Deposits are in 7 cities in WI; its Mukwonago 3 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 N Rochester St, Mukwonago, WI 53149
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 12, 1892
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 161
- Domestic deposits
- $996.0M
- Allowance for credit losses
- $9.1M
- Net charge-offs (YTD)
- $492K
- Average total assets
- $1.18B
- Average total loans
- $752.1M
- Average interest-bearing deposits
- $725.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13055
- Fed RSSD
- 783844
- Website
- www.citizensbankwi.bank →
- Parent Holding Company
- CITIZENS BANK HOLDING, INC. (RSSD 1207132)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens Bank's total assets moved between a low of $996.0M (Q3 2023) and a high of $1.18B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.17B total assets against $1.11B; $1.01B total liabilities against $973.2M.
$749.6M net loans and leases against $715.1M; $996.0M total deposits against $941.7M.
$313.9M securities against $265.7M; $58.8M cash and balances due against $90.0M.
$15.1M total interest income against $14.2M; $4.1M total interest expense against $4.3M.
$11.0M net interest income against $9.9M.
$1.7M total noninterest income against $1.4M; $6.7M total noninterest expense against $6.0M.
$450K provision for credit losses against $290K.
$4.5M net income against $4.3M.
1.51% return on assets against 1.58%; 3.94% net interest margin against 3.73%.
13.64% tier 1 leverage ratio against 13.71%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank rankings
Its closest position to the top of a national ranking is 909 of 4,196, for total assets; its furthest is 2,496 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q1 2025) to 1.69% (Q4 2025) and its net interest margin ran from 3.27% (Q1 2025) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.64% | 1.51% | 0.30% | 1.43% | 3.94% |
| Q1 2026 | 13.45% | 1.26% | 0.38% | 1.85% | 3.73% |
| Q4 2025 | 14.24% | 1.69% | 0.35% | 1.64% | 3.81% |
| Q3 2025 | 14.05% | 1.50% | 0.38% | 1.78% | 3.64% |
| Q2 2025 | 13.71% | 1.58% | 0.37% | 1.82% | 3.73% |
| Q1 2025 | 13.62% | 0.85% | 0.42% | 2.09% | 3.27% |
| Q4 2024 | 13.75% | 1.51% | 2.37% | 12.07% | 3.51% |
| Q3 2024 | 13.56% | 1.09% | 2.47% | 12.44% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | Mukwonago , WI | 53149 | $468.0M |
| Big Bend Branch | Big Bend , WI | 53103 | $106.1M |
| Vernon Branch | Big Bend , WI | 53103 | $65.7M |
| East Brook Branch | East Troy , WI | 53120 | $62.4M |
| Town of Genesee Branch | Mukwonago , WI | 53149 | $62.1M |
| Eagle Branch | Eagle , WI | 53119 | $56.0M |
| New Berlin Branch | New Berlin , WI | 53151 | $46.2M |
| Waukesha Branch | Waukesha , WI | 53189 | $41.7M |
| East Troy Branch | East Troy , WI | 53120 | $38.3M |
| Riverview Branch | Mukwonago , WI | 53149 | $30.4M |
| Muskego Branch | Muskego , WI | 53150 | $19.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 17, 1995, OCC: Formal Agreement: Citizens Bank National Association
- Period: Most recent institution action May 17, 1995. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in WI, rank 28 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 129 loans originated, $45.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.0M approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $1.17 billion in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Mukwonago, WI, United States.
When was Citizens Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13055). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC.
How many branches does Citizens Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Its Texas Ratio is 1.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Citizens Bank.
Get an email when Citizens Bank files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Bank, freeFree account