Branch Network
First Citizens State Bank Locations & Branches Whitewater, Wisconsin
BankRegReports is independent of First Citizens State Bank and never asks for online banking logins or passwords.
First Citizens State Bank operates 6 branches from its headquarters in Whitewater, WI, .
First Citizens State Bank branch network
All 6 branches are in WISCONSIN, across 3 cities. Whitewater, WI has the most of its branches, 4. Its largest office by deposits is its main office in Whitewater, WI, with $228.0M (64.2% of its branch deposits). It had the same number of branches on June 30, 2025.
First Citizens State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 18.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $525.2M
- Tier 1 leverage ratio, Q2 2026
- 18.00%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1863
Full financial profile · Is First Citizens State Bank safe? · First Citizens State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Whitewater, WI (4 branches) | 1 of 3 | 64.0% | $238.0M |
| State: WI (6 branches) | 83 of 185 | 0.2% | $355.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Wisconsin.
Share by county and metro area
First Citizens State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Walworth, WI (5 branches) | 3 of 15 | 12.7% | $317.7M | $2.51B |
| Jefferson, WI (1 branch) | 11 of 11 | 1.6% | $37.6M | $2.34B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Whitewater, WI (5 branches) | 3 of 15 | 12.7% | $317.7M | $2.51B |
| Watertown-Fort Atkinson, WI (1 branch) | 11 of 11 | 1.6% | $37.6M | $2.34B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Citizens State Bank (main office) | Whitewater, WI | 53190 | $228.0M |
| East Troy Branch | East Troy, WI | 53120 | $79.7M |
| Palmyra Branch | Palmyra, WI | 53156 | $37.6M |
| West Branch | Whitewater, WI | 53190 | $10.1M |
| Fairhaven Retirement Community Branch | Whitewater, WI | 53190 | $0 |
| Mulberry Glen Retirement Community Branch | Whitewater, WI | 53190 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)