Citizens First Bank: how it compares with its peers
Against 75 WI banks with half to twice its assets, Citizens First Bank's strongest measure in Q2 2026 is return on assets (1.93% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $7.0M).
| Measure | Citizens First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 1.28% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 3.88% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.61% | 61.99% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.0M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.10% | 86.60% | Context |
What it means for lending operations
Its efficiency ratio of 58.61% is better than the 61.99% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Community Bank New Richmond, WI · $345M
- Waumandee State Bank Waumandee, WI · $345M
- Cumberland Federal Bank, FSB Cumberland, WI · $342M
- Bank of Alma Alma, WI · $340M
- Sterling Bank Barron, WI · $352M
- Clare Bank, National Association Platteville, WI · $332M
Questions about Citizens First Bank
How big is Citizens First Bank?
Citizens First Bank, established in 1912, is headquartered in Viroqua, WI. It reported $344M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Citizens First Bank's return on assets?
1.93% annualized in Q2 2026, against a 1.28% median for 75 WI banks with half to twice its assets, ahead of 87% of them.
What is Citizens First Bank's efficiency ratio?
58.61% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 61.99%, and lower is better.
Is Citizens First Bank growing its loans?
Net loans grew 5.1% over the year to Q2 2026, while deposits grew 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.