CITIZENS FINL EMPLOYEE STK OWNERSHIP PLAN&TR is the bank holding company. BADGER BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CITIZENS FINL EMPLOYEE STK OWNERSHIP PLAN&TR

1 active bank · $209M combined assets

RSSD ID: 1247727 (FFIEC NIC)

Combined Assets

$209M

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBADGER BANKFORT ATKINSON, WISatisfactory$209MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$209M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$173M

Net Income

$668K

ROA (avg)

1.28%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

96.55%

Denial Rate

1.72%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
BADGER BANK	FORT ATKINSON, WI	FDIC	$209M	Satisfactory	Aug 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.