Citizens First Bank
Total assets
$344.5M
▲ +4.4% YoY
Deposits
$283.1M
▲ +4.1% YoY
Loans
$252.3M
▲ +5.1% YoY
Offices
6
FIRSNABANCO INC
ROA (annualized)
1.93%
peers 1.24%
ROE (annualized)
20.09%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Citizens First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 20.1% | 11.9% | +8.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRSNABANCO INC
- Specialization
- Commercial Lending Specialization
- Address
- 101 S Main St, Viroqua, WI, 54665
- County
- Vernon
- Offices
- 6
- FDIC cert #
- 13032
- RSSD ID
- 716954
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $344.5M | $283.1M | $252.3M | $33.0M | $3.3M | 1.93% | 4.32% | 0.32% |
| Q1 2026 | $344.2M | $282.2M | $251.1M | $32.6M | $1.7M | 1.94% | 4.21% | 0.25% |
| Q4 2025 | $344.6M | $281.7M | $245.8M | $33.6M | $4.4M | 1.34% | 3.86% | 0.39% |
| Q3 2025 | $332.9M | $272.8M | $240.0M | $32.7M | $3.4M | 1.37% | 3.78% | 0.35% |
| Q2 2025 | $330.1M | $271.9M | $239.9M | $30.7M | $2.1M | 1.26% | 3.71% | 0.34% |
| Q1 2025 | $319.7M | $268.2M | $230.3M | $30.0M | $920K | 1.14% | 3.59% | 0.54% |
| Q4 2024 | $326.1M | $270.3M | $235.2M | $28.1M | $3.5M | 1.06% | 3.30% | 0.53% |
| Q3 2024 | $337.0M | $285.4M | $240.9M | $29.5M | $2.4M | 0.96% | 3.20% | 0.55% |
Loan mix (Q2 2026): real estate $215.3M · commercial $21.0M · consumer $3.5M · securities $68.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Citizens First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 38th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Citizens First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Citizens First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Citizens First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Citizens First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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