Citizens First Bank (FDIC #13032): Bank Stress & Real-Estate Credit Exposure
Citizens First Bank (FDIC Cert #13032): bank stress 54/100, moderate, STABLE over 7 days; parent FIRSNABANCO INC.
Citizens First Bank (#13032) lends in 5 counties across 1 state; Citizens First Bank (#13032) reaches 57 ZIP codes: Wisconsin 5 counties, 57 ZIPs.
Citizens First Bank (#13032) largest markets: Vernon County, WI (18 branches, 18 ZIPs) (#13032), La Crosse County, WI (15 branches, 15 ZIPs) (#13032), Richland County, WI (15 branches, 15 ZIPs) (#13032), Trempealeau County, WI (28 branches, 14 ZIPs) (#13032), Monroe County, WI (12 branches, 12 ZIPs) (#13032).
Citizens First Bank (#13032) reports $344.5 million in total assets; Citizens First Bank (#13032) equity $33.0 million (9.6% of Citizens First Bank (#13032) assets); Citizens First Bank (#13032) domestic deposits $283.1 million; Citizens First Bank (#13032) net income $3.3 million; Citizens First Bank (#13032) return on assets 1.93%; Citizens First Bank (#13032) return on equity 20.09%; Citizens First Bank (#13032) net interest income $6.9 million; Citizens First Bank (#13032) call report June 30, 2026.
Citizens First Bank (#13032) noncurrent real-estate loans: none reported; Citizens First Bank (#13032) net charge-offs on real estate 0.41%.
Citizens First Bank (#13032) net interest margin 4.32% against an eight-quarter Citizens First Bank (#13032) average of 3.74% (Citizens First Bank (#13032) compression -0.58 points); Citizens First Bank (#13032) rate-exposure score 40/100, Citizens First Bank (#13032) fixed-rate trap 40/100; Citizens First Bank (#13032) risk type credit driven; Citizens First Bank (#13032) rate regime rates elevated, Citizens First Bank (#13032) snapshot October 20, 2026.
Citizens First Bank (#13032) stress score moved from 52.4 on June 22, 2026 to 53.5 on October 20, 2026; Citizens First Bank (#13032) ranged 52.4 to 53.5 over 117 snapshots.
Citizens First Bank (#13032) alerts: 5 counties; top Citizens First Bank (#13032) alert scores: Trempealeau County, WI 42 (moderate); Holmen County, WI 20 (low); Sparta County, WI 20 (low); Viola County, WI 20 (low); Viroqua County, WI 20 (low).