Compared with Wisconsin
4 of 17
compared fees are above the median.
10 below, 3 about the same.
About the same: within 1% of the median.
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
7th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 17 compared; 10 below, 3 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Citizens First 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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens First Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (7th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $22K in Q2 2026, 8.3% below the same quarter a year earlier ($24K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 17 compared published fees sit above the Wisconsin median; 10 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Wisconsin medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Premium Checking
Overdraft (OD)
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $22K. Its share of revenue, 0.5%, is below the 2.1% median for banks with $300M to $1B in assets.
$22K
Citizens First BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Citizens First Bank · $344M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens First Bank(this institution) | Viroqua, WI | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alamosa State Bank | Alamosa, CO | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bank of Alma | Alma, WI | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bath State Bank | Bath, IN | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Charles River Bank | Medway, MA | $336M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Albion | Albion, IL | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank of Raymore | Raymore, MO | $347M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cowboy Bank | Kremlin, OK | $350M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cumberland Federal Bank, FSB | Cumberland, WI | $342M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eastern Savings Bank, FSB | Hunt Valley, MD | $336M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farmers and Merchants Bank of St. Clair | Saint Clair, MO | $343M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank of Alto Pass, Ill. | Alto Pass, IL | $342M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Hereford | Hereford, TX | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Frontier Bank | Sioux Falls, SD | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glenwood State Bank | Glenwood, IA | $353M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Southern Bank | Meridian, MS | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harvest Bank | Kimball, MN | $355M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Iowa State Bank and Trust Company of Fairfield, Iowa | Fairfield, IA | $352M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ireland Bank | Malad City, ID | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kaw Valley Bank | Topeka, KS | $340M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank Company | Beverly, OH | $335M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First Security Bank | Beaver, OK | $335M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The National Bank of Andrews | Andrews, TX | $341M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Traditions First Bank | Erin, TN | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ultima Bank Minnesota | Winger, MN | $334M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Waumandee State Bank | Waumandee, WI | $345M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7 among 11 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens First Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $22K | +$2K | +10.0% |
| Q1 2026 | $20K | −$2K | −9.1% |
| Q4 2025 | $22K | $0 | 0.0% |
| Q3 2025 | $22K | −$2K | −8.3% |
| Q2 2025 | $24K | +$2K | +9.1% |
| Q1 2025 | $22K | +$4K | +22.2% |
| Q4 2024 | $18K | −$2K | −10.0% |
| Q3 2024 | $20K | −$4K | −16.7% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Citizens First Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens First Bank by share.
Amounts from Citizens First Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per transaction
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee (if balance requirements are not met) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing (within 90 days of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item Paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Continuous overdraft in an account for 3 business days or more | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| ATM Fee | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| US Wire Transfer (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer (outgoing) | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Check Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| ACH Payment Returned or Stopped | $20Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Lock Boxes 3×5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Replacement Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 4X5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Lending Fees | |||
| Late Payment | $1Not compared: Monthly charge, not per item | per month | None |
Other Fees | |||
| Fax (incoming and outgoing) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Special Statement Request | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 3, 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.
Where Citizens First Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $283.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $154.7M | |
| Outside a metro area | 4 | $128.4M |
La Crosse-Onalaska, WI-MN
3.1% of bank deposits, #12 of 24, up 3.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 14.5% |
| River Bank | 10.5% |
| Associated Bank, National Association | 10.4% |
| Merchants Bank, National Association | 9.5% |
| Citizens State Bank of La Crosse | 8.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In La Crosse-Onalaska, WI-MN, Citizens First Bank holds 3.1% of bank deposits, #12 of 24, with 2 offices.
87 offices of 34 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 24 institutions shown. $4.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 3.1% share, 2 offices, #12 of 24
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
29 offices of 11 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
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 1, 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
We check once a day and send one email covering every change.