First Citizens Community Bank

Mansfield, PennsylvaniaFDIC Cert #7593

STATEEstablished 193244 branches

Holding company: CITIZENS FINL SERVICES INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$230M
Investor CRE	$556M
Multifamily	$256M
Construction	$83.2M
1–4 family	$535M
C&I	$137M
Agriculture	$392M
Other	$114M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.3B

−0.8%y/y

Percentile by value13th percentileby value

FDICLNLSGR

Net loans

$2.28B

−0.8%y/y

Percentile by value13th percentileby value

FDICLNLSNET

Loans YoY

−0.80%

−124.4%y/y

Percentile by value14th percentileby value

FDICLNLSNET

L/D

92.8%

−4.4%y/y

Percentile by value69th percentileby value

FDICLNLSNET + DEP

Loans/assets

75.5%

−1.1%y/y

Percentile by value61st percentileby value

FDICLNLSNET + ASSET

RE loans %

89.48%

+3.4%y/y

Percentile by value72nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,644points

+9.4%y/y

Peer standing78th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

9.99%

+20.1%y/y

Percentile by value44th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

24.13%

+8.4%y/y

Percentile by value66th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.93%

+4.7%y/y

Percentile by value21st percentileby value

FDICLNCI + LNLSGR