History of First Citizens
State Bank
First Citizens State Bank has a very long and rich history dating back to 1863 - more than 160 years. Just months after the National Banking Act of 1863 was enacted, First National Bank of Whitewater, Wisconsin was granted a bank charter. In 1931, a merger with Citizens State Bank formed First Citizens State Bank of Whitewater, located at the corner of First and Main Streets.
In 1964 the bank moved to a newly constructed single-story building at 207 W Main Street, which was expanded in 2004 into a three-story building. In 1998 a branch was acquired and opened at the corner of Tratt and Main Streets to expand service in the community. Expansion continued in 2001 with a new office in East Troy, followed by transitioning the sister bank of Palmyra State Bank into the First Citizens State Bank family in 2016.
Throughout its history, the bank has been dedicated to improving the communities it serves including as a catalyst to promote economic development as well as having staff personally involved as volunteers for local organizations and activities. This commitment has often earned the bank an OUTSTANDING rating by the Federal Deposit Insurance Corporation for Community Development activities. The bank’s strong capital position and other key factors have also continuously earned a top 5 Star rating from Bauer Financial, an independent financial institution rating firm.
Our success and growth have been attributed to the longstanding community support and loyalty we have enjoyed from our customers and the communities we serve. We are proud of the role First Citizens State Bank has played, and continues to play, in serving its vibrant and caring communities.
Mission Statement
At First Citizens State Bank, our mission is to provide high-quality financial services and support to the residents, businesses, and organizations in our local communities, while upholding the trust we have earned as a locally owned financial institution. We are committed to building long-term relationships based on respect and integrity, offering innovative, reliable, and personalized solutions. With over 160 years of history as our foundation, we remain dedicated to fostering community growth, ensuring financial stability, and empowering individuals and businesses to achieve their goals.