Join us at our Whitewater Main Office
on Friday, Oct 17th
for Customer Appreciation Day!
In addition to our Community Shred Event, beginning at 11am we'll be serving up lunch, treats,
games, and giveaways to say THANK YOU for choosing First Citizens State Bank.
We appreciate you and want to share some extra perks!
Call 262-473-2112 or stop in to speak with one of our friendly Relationship Bankers for more information
about opening our October Perk Certificate of Deposit and start saving more today!
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First Citizens State Bank announces 2025 Shred Days!
Bring your old papers and sensitive documents for secure disposal. Papers should be free of plastic or metal objects and in containers that can be easily lifted. We'll have employees available to assist. All three shred events are free and open to the community.
Plus - Stop in each branch to purchase raffle tickets to win baskets of goodies. All proceeds will go to great local organizations.
AND - We'll be celebrating Customer Appreciation Day at the Whitewater Main office on Friday, October 17th along with Shred Day! Enjoy lunch, dessert, games, and giveaways from 11:00am to 1:00pm!
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Jarod Schut joins First Citizens State Bank
Whitewater, WI – Nate Parrish, President of First Citizens State Bank, is pleased to announce that Jarod Schut, CFP®, CTFA has joined the Bank as Vice President – Trust & Investment officer at the Whitewater Main Office, located at 207 W Main Street, Whitewater, Wisconsin.
Jarod has more than 10 years of experience in financial advising including 8 years specializing in Trust Administration, Financial and Estate Planning, and Fiduciary Investment Management. He graduated from UW-Whitewater with a BBA majoring in both Finance and Economics, and later an MBA with a Finance emphasis. He also received his Certified Trust and Fiduciary Advisor (CTFA) professional certification from the American Bankers Association (ABA) and holds the Series 7, 63, and 65 along with a Certified Financial Planner (CFP®) certification.
In making the announcement, Nate Parrish said, “Jarod’s commitment to craft solutions to our customers’ specific needs aligns perfectly with our mission to provide personalized service with professional recommendations. We are thrilled to have him on board heading up our Trust Department.”
Jarod enjoys going on family trips with his wife and two sons, having playground picnics, and playing pickleball. He is also a certified SCUBA diver.
Jarod commented, “I’m excited to bring my passion for helping clients understand their estate plan and investments, developing financial plans, and helping them achieve their future goals to such a historic institution with a focus on community. I enjoy getting to know clients and their families through listening and cultivating relationships.”
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David Barnett joins First Citizens State Bank
Whitewater, WI – Nate Parrish, President of First Citizens State Bank, is pleased to announce that David Barnett has joined the Bank as Vice President – Commercial & Mortgage Loan Officer at the Whitewater Main Office, located at 207 W Main Street, Whitewater, Wisconsin.
David has over 37 years of experience in banking, beginning with an entry level role and building up to Commercial Lending. He is a graduate of the Southeastern Oklahoma State University with a Bachelor of Arts as well as the University of Colorado with a Graduate Banking Degree. David has called Southeast Wisconsin his home for more than 17 years.
In making the announcement, Nate Parrish said, “We are thrilled to welcome David to our lending team. With his extensive background in both community and larger banking institutions, he brings a wealth of knowledge and experience. His expertise and commitment to customer service make him a strong addition to our bank and the communities we serve.”
David enjoys spending time outdoors, golfing, hiking, biking and fly fishing. He is the past President of the Lake Geneva West Chamber of Commerce and is a housing commissioner with the Walworth County Housing Authority.
David commented, "I’m proud to be part of a community-minded bank valuing personalized service. From the main office to the surrounding South-Eastern Wisconsin communities, I’m eager to put my experience to work providing lending solutions that truly make a difference for families and businesses.”
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Lea Sperle joins First Citizens State Bank
Whitewater, WI – Nate Parrish, President of First Citizens State Bank, is pleased to announce that Lea Sperle has joined the Bank as Vice President – Business Banker at the East Troy Office, located at 2546 E. Main St., East Troy, Wisconsin.
Lea has over 28 years of experience in community banking with roles including CSR, Branch Manager, Mortgage and Consumer Lender, and most recently nearly 10 years focused on business banking. She is a graduate of the University of Wisconsin-Milwaukee and is a long-time resident of East Troy with her husband and two sons.
In making the announcement, Nate Parrish said, “Lea is a perfect addition to our team, and we are thrilled to welcome her as our new Business Banker. Along with her strengths in risk management and business development strategies, she brings an extensive and diverse background in banking.”
Lea is an avid horseback rider and enjoys being outdoors, golfing, and fishing. Active in her local communities, she is Treasurer for the nonprofit The Haase House, located in Mukwonago, and is involved in both the East Troy and Mukwonago Chambers of Commerce.
Lea commented, “I am excited to join such a historic local institution with a clear and deep commitment to community growth. I look forward to expanding relationships and strengthening support for families and businesses in the communities I love.”
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Thanks for playing BINGO!
April was Financial Literacy Month and we had fun playing Blackout BINGO,
an interactive and fun way to level up your financial knowledge!
Throughout the month of April we celebrated Financial Literacy Month and Bingo'd our way to better financial habits. As part of our commitment to empowering communities with essential money management skills, we brought the best of both worlds: a chance to win exciting prizes AND learn valuable financial tips along the way!
Congratulations to our 4 winners! They completed their cards by filling in the tips they found on social media, radio, our website and chatting with our staff. They each received a Kwik Trip gift card along with learning how to budget smarter, save better, and build their financial future.
Here are the tips...
Tip #1: Create a monthly budget to track your income and expenses.
Tip #2: Keep your debt-to-income ration below 36% to maintain financial health.
Tip #3: Start building an emergency savings fund for unexpected expenses.
Tip #4: Pay yourself first by saving a portion of your income before spending.
Tip #5: Check your credit score regularly.
Tip #6: Understand the difference between needs and wants.
Tip #7: Avoid high-interest debt like payday loans.
Tip #8: Set financial goals and track your progress towards them.
Tip #9: Research before making big purchases, like a car or home.
Tip #10: Use cash-back or rewards credit cards to earn bonuses for spending.
Tip #11: Invest in your future with retirement savings like a 401(k).
Tip #12: Know how to read your bank statement ad identify any hidden fees.
Tip #13: Look for ways to cut unnecessary subscriptions or memberships.
Tip #14: Shop around for insurance and compare rates before committing.
Tip #15: Understand the difference between good debt (like student loans) and bad debt.
Tip #16: Avoid impulse buying by making shopping lists.
Tip #17: Review your credit card statement each month to avoid surprises.
Tip #18: Start investing early to take advantage of compound interest.
Tip #19: Be cautious of "get rich quick" schemes; there's no substitute for knowledge and patience.
Tip #20: Set up automatic savings to ensure you are consistently putting money aside.
Tip #21: Pay bills on time to avoid late fees and damage to your credit score.
Tip #22: Save for major expenses like vacations or home repairs in advance.
Tip #23: Use different passwords for different account logins.
Tip #24: Teach children to save by using a clear jar for savings.