$3.02B
+0.3%y/y
Percentile by value1st percentileby value
FDIC
ASSETFC
First Citizens Community Bank
Mansfield, PennsylvaniaFDIC Cert #7593
STATEEstablished 193244 branches
Holding company: CITIZENS FINL SERVICES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Citizens Community Bank reported $3.02B in total assets. Deposits grew 3.73% over the prior year.
Return on assets was 1.45%, compared with an asset-peer median of 1.31%. The leverage ratio was 9.33%.
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.46B
+3.7%y/y
Percentile by value4th percentileby value
FDIC
DEP$2.28B
−0.8%y/y
Percentile by value13th percentileby value
FDIC
LNLSNET1.45%
+34 bpsy/y
Peer standing63rd percentile
FDIC
NETINC + ROA53.15%
−584 bpsy/y
Peer standing62nd percentile
FDIC
NONIX + NIM + NONII + EEFFR9.33%
+27 bpsy/y
Peer standing19th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2B | $1.7B |
| Q3 2021 | $2.04B | $1.76B |
| Q4 2021 | $2.14B | $1.85B |
| Q1 2022 | $2.17B | $1.9B |
| Q2 2022 | $2.21B | $1.89B |
| Q3 2022 | $2.35B | $1.88B |
| Q4 2022 | $2.33B | $1.86B |
| Q1 2023 | $2.33B | $1.81B |
| Q2 2023 | $2.89B | $2.28B |
| Q3 2023 | $2.95B | $2.34B |
| Q4 2023 | $2.97B | $2.33B |
| Q1 2024 | $2.92B | $2.31B |
| Q2 2024 | $2.94B | $2.28B |
| Q3 2024 | $3.02B | $2.45B |
| Q4 2024 | $3.02B | $2.39B |
| Q1 2025 | $3.01B | $2.37B |
| Q2 2025 | $2.96B | $2.3B |
| Q3 2025 | $3.05B | $2.42B |
| Q4 2025 | $3.06B | $2.38B |
| Q1 2026 | $3.02B | $2.46B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $230M |
| Investor CRE | $556M |
| Multifamily | $256M |
| Construction | $83.2M |
| 1–4 family | $535M |
| C&I | $137M |
| Agriculture | $392M |
| Other | $114M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.45%63rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE12.37%49th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.83%63rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.15%62nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+3.73%41st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET−0.80%14th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.64%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ9.33%19th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.45%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.14%Median 0.89%90th 1.69%Observations 115
ROE
FDIC
NETINC + ROE12.37%72nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.28%Median 9.46%90th 16.02%Observations 115
NIM
FDIC
NIM + NIMY3.83%73rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.31%Median 3.36%90th 4.14%Observations 115
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.15%82nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.42%Median 66.79%90th 93.30%Observations 115
Deposits YoY
FDIC
DEP+3.73%48th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.48%Median +3.91%90th +15.17%Observations 112
Loans YoY
FDIC
LNLSNET−0.80%12th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.19%Median +5.08%90th +16.58%Observations 111
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.64%12th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.60%90th 1.76%Observations 111
Leverage
FDIC
RBC1AAJ9.33%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.32%Median 10.34%90th 21.27%Observations 115
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%41st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.50%90th 3.71%Observations 112
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 17%Median 176%90th 337%Observations 80
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.45%64th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.33%90th 1.66%Observations 12
ROE
FDIC
NETINC + ROE12.37%73rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.91%Median 11.34%90th 14.42%Observations 12
NIM
FDIC
NIM + NIMY3.83%45th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.42%Median 3.87%90th 4.07%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.15%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.51%Median 56.20%90th 63.35%Observations 12
Deposits YoY
FDIC
DEP+3.73%45th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.15%Median +4.57%90th +24.50%Observations 12
Loans YoY
FDIC
LNLSNET−0.80%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.30%Median +4.94%90th +25.03%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.64%9th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.32%Median 0.67%90th 1.56%Observations 12
Leverage
FDIC
RBC1AAJ9.33%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.47%90th 11.36%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%36th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.28%Median 2.55%90th 2.95%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 233%Median 276%90th 321%Observations 11
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 44 branches
- Headquarters
- Mansfield, PA
FDIC
OFFDOMOpen the Pennsylvania dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data