# CITIZENS FIRST BANK
VIROQUA, WI · FDIC certificate 13032 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $344.5M | |
| Deposits | $283.1M | |
| Loans and leases | $255.5M | |
| Total equity | $33.0M | |
| Loans / deposits | 89.10% (p69 of band) | 82.04% |
| Liquid assets / assets | 21.15% (p35 of band) | |
| Uninsured deposits / deposits | 28.26% (p60 of band) | 25.97% |
| Brokered deposits | 3.78% | |
| Wholesale funding | 11.56% (p81 of band) | |
| FHLB advances / assets | 6.39% | |
| Tier 1 leverage | 10.26% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -12.95% (p36 of band) | -8.10% |
| AOCI / equity | -2.26% (p6 of band) | |
| ROA (annualized) | 1.93% (p85 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 58.61% (p42 of band) | |
| Noncurrent loans | 0.44% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 288.58% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 61.34% (p65 of band) | |
| Auto loans | $2.0M (0.78% of loans; DQ 3.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 55 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 3 | capital falling, noncurrent p90 |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | capital falling | wholesale funding >15% |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | wholesale funding >15% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 0 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | brokered >10%, AOCI drag >20% of equity |  |
| 2022-09 | 3 | capital falling, securities losses >30% of equity | brokered >10% |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-09 | 2 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 3 | brokered >10%, capital falling | securities losses >30% of equity |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | brokered >10% |
| 2026-03 | 0 |  | wholesale funding >15% |
| 2026-06 | 0 |  |  |

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

- 2026-07-31 [City officials looking into simulated gunfire display at Viroqua 4th of July fireworks - VernonReporter](https://news.google.com/rss/articles/CBMivwFBVV95cUxOVEg3emE0eVEzTGZ1N0tPQVMwWlpKbzhkVjVMWmp6Um90U1pOTHl1TnVEREVvRW9qQzJLTXZQY2hXd1VkT1BiR2tOS2hiTzVBRktNREp4Mkd3eVdIR3J6Vl9Mb1QtMHVPRm9uckZRMDVFM2Q2Z3R5UmJmMXdDTmM2YWlzQVFFcDEySmtKVXF4OXViWTVhQjh5OU15TUFMdk5zZDU2R1M1Um4xRW5RNVJOY01sS3dIQTlpSjRUTnlVMA?oc=5) · VernonReporter
- 2023-03-22 [Citizens First Bank announces 2022 results at annual shareholder meeting - Clinton Herald](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNRnRrTlIxUHB3dlU4eF93ak40a0tjSFprcDg5LUFSWkowNVFYMVNGNTFlYm83WnBidnJFVThHblM1b21aeW96WTItTDd3dFZTM0NYRWxfUjRmZEM4OTZYb1piMVJja3lUSVdoT2NxaDZmU3M4ZzRHLUlwQTB0c0E2WTlyNk8ydjYxOU9KVms4Q3lTd3RRY1Jlc0FwS1hkaGpNbTd2NmtsWWZVaV9lSnV2OTJKdzZxUU02dUg2cXU4dlhwc21RdkVjdmwyeENaYVljUWtXVEtnRjVRQWJVNXIzcGZQXzlEdlFOUExfRkZMRktXZk1YZHFFS3o4WVk?oc=5) · Clinton Herald
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2025-06-12 [Kenneth E. Hanson Obituary Oct 31, 2008 - vossfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBsdDhRQ3BiNEVyamFUaWNzYTd2am00SXkxNWlKa3RqU3RXbWpBWVdSVlFId3NCalNlaDRPZmZIdGZYaVBGLXg2Njd1Y2dBejFzTUtOUWkxZHgtakxZNThz?oc=5) · vossfh.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Florida - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSV9rYjRvVlQwYzdjRjQ5RWNWYk5sNXpzMEpRQml0ZlN2VkI3cmkwMGRmVTI0eERfeG1tTWp6Y0lXZWtIdTc2N2xOYjZyU1ZEQnpOSkgtd2tHTDd2Z3pnbVNvZDFTUXJyZy1iOU1rc1lsaHJnaXVPM0JpX1FSbjVUTkdBWHl3djA5X2ZvN3Zn?oc=5) · Newsweek Rankings
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - ZDNET](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · ZDNET
- 2020-05-11 [Robert "Bob" Howard - Coulee Cremation](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1HOE96ejhFdzROZHlDWlgxbVNhS2dZc05DYW9HYk0wc19NUFc0VGlNWlUyeVhCWko4eHo2VVd1WjlzenV2a0FuZnAtYlFoc2VzWHJHOXJtOHpCZw?oc=5) · Coulee Cremation

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13032 (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/40.json (key "13032", 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.

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