# FIRST CITIZENS STATE BANK
WHITEWATER, WI · FDIC certificate 11228 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $525.2M | |
| Deposits | $355.3M | |
| Loans and leases | $395.2M | |
| Total equity | $93.0M | |
| Loans / deposits | 109.24% (p97 of band) | 82.04% |
| Liquid assets / assets | 21.27% (p36 of band) | |
| Uninsured deposits / deposits | 25.13% (p47 of band) | 25.97% |
| Brokered deposits | 3.05% | |
| Wholesale funding | 16.64% (p89 of band) | |
| FHLB advances / assets | 11.45% | |
| Tier 1 leverage | 18.00% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -2.97% (p73 of band) | -8.10% |
| AOCI / equity | 0.00% (p74 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.28% |
| Net interest margin | 3.85% (p46 of band) | 3.91% |
| Efficiency ratio | 47.13% (p13 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 43.85% (p50 of band) | |
| Auto loans | $989,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | capital falling | uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 | charge-offs p90 | capital falling |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | wholesale funding >15%, capital falling |  |
| 2025-03 | 1 |  | wholesale funding >15% |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-27 [UW-Whitewater recognizes First Citizens State Bank with Regents Business Partnership Award - University of Wisconsin-Whitewater](https://news.google.com/rss/articles/CBMidEFVX3lxTE1yREpJbTVlSWRtQzJCX0FCTlFFdUN0SzhXNGlYemhicDBKSzY0RmFqMkszR25Qc29laWdBWEpRUzl5UksyS2QwMHp6Z19FbE0wNEtGRDB1VDBjb1Z2dkRSZFBfY1U5MXZpSkFpaWdZcWFrNHJD?oc=5) · University of Wisconsin-Whitewater
- 2026-03-02 [First Citizens State Bank announces promotions - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMizwFBVV95cUxPMzVmMWV5ZmRlRlJvR0d6Z21raDRZV3k0WHRDdnRBOFdoWVhlQjR6Q3JfeU1FaXc0alZJOGRUS05RSUpYOXZ1enBvVUc4V3I5cWV1dkFwZnkyMm9ncGJUTHFZZEota0pOQUhab2dwdXFEV3VhSEx2WlFlbWVUX19VeUVYY1BrdkhwbGZoNGZlVlhFVUxEVXNzdFE1bFpJUTZWS3Bkbm9ZaDNFN3VGQjVDLVBQYzYzT3lQRndtcl9mTVFhZ1NIcWJOVEdiTDUtVnc?oc=5) · Daily Jefferson County Union
- 2025-02-20 [UW-Whitewater’s “Mascots on Main” initiative showcases industry and community ties - Universities of Wisconsin](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPQk9tRl84UW8xUGxQb3EwUzFTWnFLc0NobmdlUzFUdWt5RFpvUmtUNE5NRHJHcVY2b2xCYnQ0dHhiS2RXZzdBSW85X2VXeGNvc1hudUNuLTlsT2NFcHRhRlFGX1Buc3RtSXpmVTA0VjV0NHplczNzV3drVDF5YnV4Q0dQOFpQZkhwN3pSTDNmQTlmSmhCS0Qyekh0MERQSFNDOTd6WXhlTFFSTHJKVHFxYWplOW11Y2RqcFQya3FRRnRBRG93YWZFUg?oc=5) · Universities of Wisconsin
- 2026-01-24 [Cloes Mae (Hall) Berger Obituary Jan 24, 2026 - Altogether Funeral](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeGxpRVVlbi00WEF3VjEycnhZU2RaUHB6OGlSZnJkdS1YUVhRRUpFTFdNYVpkM0NGcUo0c3hXdDhpc0xzcU5Nc0dTMDZrWFo5dXNKRHRHVmduellDdTliX2Z6Q0o1dWVtOEs3MWZEVlZxSk9rWVZUcjhIdnZNaHZjYmFBQzFfQUtwd3ZTNzhXTEFZdHhPanVRdnRPc3lNUWhJaUtqXzNVcWwwWmJXd1Ewby1XSFgxc1V0eWc?oc=5) · Altogether Funeral
- 2023-05-11 [Bob Bastien joins First Citizens State Bank, Whitewater - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOVWZwNm9VOVVfV2JUSy1zekhyRHl0NURRRl9MaU1KamxxbUJZVThrWjlvakFKSE1XcnYxQmx0SmRmWEpWZUxQOUh2VEVRcVd0RUtBYmNIYWQzdUJvUUUxQm15ZF9zeGN3X1NDV0hpTDYxU2VHNGlIYjJHbW5HZ1k2VkF4TE5WcmZadXh2Q1gwb3g4d0hzTS1RYUVnaDFPSmxVX0JncUhiYXBSQ01ORVJXck03WUVodTZaam14MTJNUktGZUcxY2ZDRVAtcjBJRXg4QUEzMm1xTQ?oc=5) · Daily Jefferson County Union
- 2020-11-22 [Mishicot's Savannah Siders earns Rural Opportunities award — and more school news - Herald Times Reporter](https://news.google.com/rss/articles/CBMizAFBVV95cUxNNVdmN0E2MjdDRGtsT2VqN2FTR1ppbjc1c0g2VWJFM3JYR2Zmc0xBam00Z201QlVvdzg1UmdhQVA3UTlLVHQxZDBINHZsT2RuZ08taUdwZnBXSFVfTEgwUzRSSFhkR2FoMmtYUEZqdWgzMWFfU3lNVmtRckJHQUFEdkVPV2tOa08ycHBlaklxQzFEbzlYaGVFWllSdWc2YWJGenFHcXRqYkRUOGpIaC1tYkxvY0xib04wSVo0a3czTDE5dVJmZm1VbFNURVQ?oc=5) · Herald Times Reporter
- 2025-01-09 [December 2024 Financial Advisor Moves and RIA Acquisitions - dakota.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSFFZV3JOUkxfMC1OZHRBd09GXzVHSU5wVzcxazgtaWdwdHo4M3RHaVdidm9RSUswMHJKWjV4M0xELXN5amtUYWNNQ0xmOHFBdUdvYTl6MVdvbEZrYjZJM3JJYWlxeUdVOW8zLUNHd042T09qLUVXd0RBRGNOVm8zZVUybl9JWUljTnlqWHQ1X0RQU2syajU0UXVkWEM?oc=5) · dakota.com
- 2022-05-03 [Students showcase their entrepreneurial success at this year’s Warhawk Business Plan Competition - University of Wisconsin-Whitewater](https://news.google.com/rss/articles/CBMibkFVX3lxTFBEQTFheG9vdjVqVEJuUERXT2sxR0F6am9HUnBGOGo0djlyZ1pFcFNubmFtMXB5eW95dU5OY1h5Z1JGVEdJc1BaTmFxOGoxcTVHMThPRjR3dkJEdmlWeXowaE5WbGxwV2lrMkd5SGJB?oc=5) · University of Wisconsin-Whitewater

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11228 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "11228", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide