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About Us

As Whitewater Wisconsin's largest and oldest locally owned and operated financial institution, our goal is to provide you with top quality services to help you meet your financial goals. Home grown, home owned, we have a very rich history of being involved with the Whitewater community, large enough to serve you, small enough to care, that's us.

We do this through friendly, prompt and personalized service from our knowledgeable staff and a strong financial base as illustrated by our last call report through the Federal Deposit Insurance Corporation.

We bring to you service based on over 150 years of experience.

Our main office is located in downtown Whitewater and we have a branch located across from McDonald's in Whitewater. We also have a branch in East Troy.  We also have many ATM locations. Our extended hours provide for added banking convenience.

Please see our policy page for information on how we protect your sensitive information. To see how we are involved with the credit needs of our community please see our "CRA Public Notice"
A Note From Our President...

Welcome to First Citizens State Bank's Website. We appreciate your interest in us. We are a locally owned and operated full-service community bank that has provided continuous banking service in this community for over 150 years.

We are pleased to advise you that we are considered a 5-Star Bank as rated by Bauer Financials Rating System, giving us their highest bank rating for your financial safety and peace of mind.

As a community bank we pride ourselves in providing personalized service that is very fast, accurate and efficient. Our goal is to assist you in achieving your financial goals in life.

We look forward to serving you and thank you for visiting our site.

Jim Caldwell, President
Where We Stand...

First Citizens State Bank is proud of its stability and outstanding ratings and it is with great pleasure that we share this information with both our customers and potential customers. In an economic time where stability, safety and soundness are of the utmost importance, First Citizens State Bank maintains top-notch ratings.

Click here for the ratings letter from Weiss Ratings.

Click here for the ratings letter from TheStreet.com.

Click here for a current ratings report from TheStreet.com.
Celebrating 150 Years!