First Citizens State Bank

Headquarters: Whitewater, Wisconsin
Charter: Bank
Assets: $525.2M
Fed district: Chicago
Regulator: FDIC
Holding company: Whitewater Bancorp Inc.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for First Citizens State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Citizens State Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Citizens State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $85K in Q2 2026, 2.3% below the same quarter a year earlier ($87K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Citizens State Bank: $25
First Citizens State Bank: $25
U.S. median: no median
Non-Network ATM
First Citizens State Bank: $5
First Citizens State Bank: $5
U.S. median: no median
Wire Transfer (Domestic Out)
First Citizens State Bank: $30
First Citizens State Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 11% from Q3 2025 to Q2 2026, to $85K.

Service-charge income, Q2 2026

$85K

$96KQ3 2025

$91KQ4 2025

$81KQ1 2026

$85KQ2 2026

Against the median

First Citizens State BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Citizens State Bank · $525M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$507M to $545M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Citizens State Bank(this institution)	Whitewater, WI	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Dudley	Dudley, GA	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Flint Hills	Wamego, KS	$545M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Community Bank	Mascoutah, IL	$531M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank Mankato	Vernon Center, MN	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Coulee Bank	La Crosse, WI	$524M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross County Savings Bank	Middle Village, NY	$525M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank	Allison Park, PA	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Enterprise Bank of South Carolina	Ehrhardt, SC	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fifth District Savings Bank	New Orleans, LA	$532M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Montana Bank, Inc.	Missoula, MT	$530M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nations Bank	Chicago, IL	$537M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Robinson Savings Bank, National Association	Robinson, IL	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First State Bank	Wrens, GA	$513M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Tonganoxie, KS	$515M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lake Elmo Bank	Lake Elmo, MN	$530M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mega Bank	San Gabriel, CA	$507M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Shoreham Bank	Warwick, RI	$535M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Southern Bank of Tennessee	Mount Juliet, TN	$533M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank Financial	La Crosse, WI	$512M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Advance	Advance, MO	$510M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Berkshire Bank	New York, NY	$530M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Callaway Bank	Fulton, MO	$512M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Murray Bank	Murray, KY	$534M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples State Bank	Ellettsville, IN	$507M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Savings Bank	Circleville, OH	$520M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Citizens State Bank does not publish a monthly maintenance fee in the index.

The peer median is $9.49 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Citizens State Bank does not publish a monthly maintenance fee, so it is not on this chart.

First Citizens State BankPeer (equal prices stack)Peer medianInclude $35 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Citizens State Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $85K
vs prior quarter: +$4K+4.9%; from Q1 2026
vs a year earlier: −$2K−2.3%; from Q2 2025
vs start of range: +$3K+3.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Citizens State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$85K	+$4K	+4.9%
Q1 2026	$81K	−$10K	−11.0%
Q4 2025	$91K	−$5K	−5.2%
Q3 2025	$96K	+$9K	+10.3%
Q2 2025	$87K	+$9K	+11.5%
Q1 2025	$78K	−$11K	−12.4%
Q4 2024	$89K	+$7K	+8.5%
Q3 2024	$82K	+$2K	+2.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Citizens State Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee (balance falls below $1,000)$6
per month
Maintenance fee (balance falls below $1,500)$7
per month
Early Account Closing (within 90 days of opening)$15
Reconciling Bank Statement (For 3 Previous Months)No charge
Reconciling Bank Statement Additional Months (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour · Reconciling Bank Statement Additional Months (Per Hour) | $15.00
Printed Statements Available for a monthly$3
per month
Undeliverable Mail - applied monthly after two months$5
per month

Overdraft & NSF

Overdraft Fee$25

ATM & Card

Reissued ATM Cash Card or Check Card (Debit Card)$5

Wire Transfers

Wire Transfers: Outgoing Domestic$30
Wire Transfers: Incoming Domestic$15
Wire Transfers: Outgoing International$50
Wire Transfers: Incoming International$20

Check Services

Cashier's Check$3
Personal Money Order$2.50
Stop Payment$25
Counter Check$1
Canadian Item Deposited$5
Check Copies (per copy)$3
per item

Digital & Electronic

Online Bill PayNo charge

Account Services

Legal Process Affecting an Account (Attachment, Garnishment, Levy, etc.)$50

Lending Fees

Late fee (audience not stated, treated as personal)1.5%

Other Fees

Statement Copies (per copy)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee (balance falls below $1,000)	$6	per month	None
Maintenance fee (balance falls below $1,500)	$7	per month	None
Early Account Closing (within 90 days of opening)	$15	Not stated	None
Reconciling Bank Statement (For 3 Previous Months)	No charge	Not stated	None
Reconciling Bank Statement Additional Months (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	Reconciling Bank Statement Additional Months (Per Hour) \| $15.00
Printed Statements Available for a monthly	$3	per month	None
Undeliverable Mail - applied monthly after two months	$5	per month	None
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
ATM & Card
Reissued ATM Cash Card or Check Card (Debit Card)	$5	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$30	Not stated	None
Wire Transfers: Incoming Domestic	$15	Not stated	None
Wire Transfers: Outgoing International	$50	Not stated	None
Wire Transfers: Incoming International	$20	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Personal Money Order	$2.50	Not stated	None
Stop Payment	$25	Not stated	None
Counter Check	$1	Not stated	None
Canadian Item Deposited	$5	Not stated	None
Check Copies (per copy)	$3	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Account Services
Legal Process Affecting an Account (Attachment, Garnishment, Levy, etc.)	$50	Not stated	None
Lending Fees
Late fee (audience not stated, treated as personal)	1.5%	Not stated	None
Other Fees
Statement Copies (per copy)	$3	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Citizens State Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when First Citizens State Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.