FIRST CITIZENS BANK

MASON CITY, IA | Large | Est. Jan. 9, 1892, midnight | FDIC #4433 | RSSD #186744 | FED
Latest Report: 2025-12-31

FIRST CITIZENS BANK is aln large FDIC-insured commercial bank headquartered in MASON CITY, IA, established in Jan. 9, 1892, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.6B. Profitability stands at 2.22% ROA and 20.74% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 13.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.82% and a Texas Ratio of 4.95%. FDIC Certificate #4433.

Assets

$1.8B

Deposits

$1.6B

Loans

$1.3B

Equity

$204M

Profitability

Return on Assets (ROA) 2.22%
Return on Equity (ROE) 20.74%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.69%
Cost of Funds 2.70%

Asset Quality

NPL Ratio 0.82%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.95%
NPA Ratio 0.60%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 13.68%
Tier 1 Capital 13.68%
Total Capital Ratio 14.93%
Leverage Ratio 11.48%
Loan-to-Deposit 83.32%

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