BlastPoint's Banking Scorecard
First Citizens State Bank
Community
Specialty: Commercial
WI
FDIC cert 11228
Whitewater, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
First Citizens State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 45% in Community
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 12% in Community
- - Liquidity Strain: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$513.3M
-0.6% YoY
+4.5% QoQ
|
-$878.1M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$346.3M
+6.2% YoY
+5.7% QoQ
|
-$629.2M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$379.1M
-1.0% YoY
+5.9% QoQ
|
-$785.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.58%
+32.1% YoY
+1.8% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.45%
+16.7% YoY
+2.1% QoQ
|
-0.21% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
49.48%
-15.0% YoY
-0.3% QoQ
|
-13.15% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
91.33%
+7.3% YoY
-0.2% QoQ
|
+8.27% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
19.07%
+0.7% YoY
-10.5% QoQ
|
-1.98% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.60%
+5.0% YoY
+34.5% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#166 of 371 · Top 45% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Capital Thin
risk
#53 of 432 · Bottom 12% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Liquidity Strain
risk
#121 of 513 · Bottom 23% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.33%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
85
85th pctile
Efficiency Ratio
Current: 49.48% · Tier avg: 62.63%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.33% · Tier avg: 83.06%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 19.07% · Tier avg: 21.05%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
8
8th pctile
Total Loans
Current: $346.3M · Tier avg: $975.5M
2
2th pctile
Total Assets
Current: $513.3M · Tier avg: $1.4B
1
1th pctile
Total Deposits
Current: $379.1M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $379.1M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $513.3M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $346.3M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 19.07% · Tier avg: 21.05%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.33% · Tier avg: 83.06%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.48% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%