First Citizens State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 10.78 percentage points in Q2 2026, from 100.45% to 111.23%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, First Citizens State Bank is 19th of 153 on return on assets, 1.99% as of Q2 2026. First Citizens State Bank's return on assets of 1.99% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.00% |
| Equity capital to assets | 17.70% |
| Tangible equity to tangible assets | 17.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 11.18% |
| Net interest margin | 3.97% |
| Efficiency ratio | 45.15% |
| Yield on earning assets | 5.73% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.23% |
| Core deposits to total deposits | 85.19% |
| Brokered deposits to total deposits | 4.52% |
| Deposits to assets | 67.64% |
| Securities to assets | 19.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.49% | 1.21% | 3.03% | 0.00% | 0.36% |
| Q4 2023 | 17.45% | 0.84% | 2.95% | 0.00% | 0.00% |
| Q1 2024 | 17.47% | 1.09% | 2.82% | 0.00% | 3.22% |
| Q2 2024 | 17.96% | 1.27% | 3.03% | 0.00% | -3.26% |
| Q3 2024 | 17.50% | 1.10% | 2.95% | 0.00% | -0.02% |
| Q4 2024 | 16.65% | 1.34% | 3.13% | 0.00% | -0.06% |
| Q1 2025 | 15.84% | 1.33% | 3.10% | 0.00% | 0.00% |
| Q2 2025 | 16.74% | 1.61% | 3.42% | 0.00% | 0.00% |
| Q3 2025 | 17.48% | 1.67% | 3.59% | 0.00% | 0.02% |
| Q4 2025 | 17.82% | 1.71% | 3.76% | 0.00% | 0.00% |
| Q1 2026 | 17.54% | 1.70% | 3.70% | 0.00% | 0.08% |
| Q2 2026 | 18.00% | 1.99% | 3.97% | 0.00% | -0.08% |
First Citizens State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)