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 145 years of experience. 

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

Banking

First Citizens State Bank

Jim Caldwell

Nate Parrish

Teams at First Citizens State Bank

Leadership Team

Lending and Loan Operations Team