Community Reinvestment Act (CRA)
At Citizens First Bank, supporting the communities we serve is an important part of who we are. As a family-owned community bank, we believe strong communities are built through local relationships, responsible lending and continued investment in the people, businesses and organizations that call southwest Wisconsin home.
Our commitment to serving our communities is reflected in our efforts under the Community Reinvestment Act (CRA), which encourages financial institutions to help meet the credit needs of the communities they serve, including low- and moderate-income neighborhoods.
We are pleased to make our Community Reinvestment Act public-file information available for review. The materials below may be viewed or printed at your convenience. If you would like a printed or digital copy of any of these materials, please contact Citizens First Bank.
Information provided in the CRA Public File is maintained and updated in accordance with applicable Community Reinvestment Act requirements.
CRA Performance Evaluation
Review Citizens First Bank’s most recent Community Reinvestment Act Performance Evaluation, which reflects the bank’s record of helping meet the credit needs of the communities we serve.
Link to: CRA Performance Evaluation
Branch Locations & Hours
View current Citizens First Bank branch locations, addresses, hours of operation, and applicable geographic information.
Link to: Branch Locations & Hours
Branches Opened or Closed
View information about Citizens First Bank branches that have opened or closed during the applicable CRA reporting period.
Link to: Branches Opened or Closed
Banking Products, Services & Fees
Review information about the banking products and services generally available through Citizens First Bank, along with applicable fees and charges.
Link to: Products and Services 2022
Link to: Fees & Charges
CRA Assessment Area & Census Tract Maps
View maps and geographic information used to identify Citizens First Bank’s CRA assessment area and the census tracts included within it.
Link to: 2020 Census Tract Map - La Crosse County
Link to: 2020 Census Tract Map - Monroe County
Link to: 2020 Census Tract Map - Richland County
Link to: 2020 Census Tract Map - Trempealeau County
Link to: 2020 Census Tract Map - Vernon County
Link to: Vernon County Map of Census Tract
Quarterly Loan-to-Deposit Ratios
Review Citizens First Bank’s quarterly loan-to-deposit ratios for the applicable reporting period.
Link to: Loan to Deposit Ratio
Home Mortgage Disclosure Act (HMDA) Information
Review information regarding the availability of Citizens First Bank’s Home Mortgage Disclosure Act data and disclosure information.
Link to: HMDA Disclosure Statement
CRA Public Comments & Bank Responses
Review written public comments related to Citizens First Bank’s performance in helping meet community credit needs, along with bank responses when applicable.
Link to: Public Comments
Rooted in Our Communities
We live here, work here and believe in investing in the communities we serve. Learn more about the organizations, events and local programs Citizens First Bank is proud to support.
See How We Give BackCommunity in Action
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