FIRST CITIZENS BANK
FIRST CITIZENS BANK is an FDIC-insured commercial bank headquartered in MASON CITY, IA, established in 1892. As of , 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 3.19%. CET1 capital ratio: 13.68%, well above regulatory minimums. NPL ratio: 0.82% · Texas Ratio: 4.95%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Citizens Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.68% | 2.22% | 0.82% | 4.95% | 3.19% |
| 2025-09-30 | 13.30% | 1.32% | 0.72% | 4.52% | 3.15% |
| 2025-06-30 | 12.85% | 1.50% | 0.76% | 5.15% | 3.10% |
| 2025-03-31 | 12.76% | 1.58% | 0.78% | 5.23% | 2.87% |
| 2024-12-31 | 12.50% | 1.32% | 0.79% | 5.43% | 2.98% |
| 2024-09-30 | 12.23% | 1.59% | 0.54% | 3.60% | 2.71% |
| 2024-06-30 | 11.70% | 1.27% | 0.67% | 4.76% | 2.68% |
| 2024-03-31 | 11.77% | 1.12% | 0.65% | 4.52% | 2.52% |
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Frequently asked about FIRST CITIZENS BANK
What are First Citizens Bank's total assets?
As of the Q4 2025 filing, First Citizens Bank reported total assets of $1.83 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Citizens Bank headquartered?
First Citizens Bank is headquartered in MASON CITY, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Citizens Bank founded?
First Citizens Bank was established in 1892, per the FDIC institution directory.
Is First Citizens Bank FDIC-insured?
Yes. First Citizens Bank is an FDIC-insured commercial bank (FDIC Certificate #4433). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Citizens Bank?
First Citizens Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Citizens Bank's CET1 capital ratio?
First Citizens Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.68% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Citizens Bank operate?
First Citizens Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Citizens Bank's Texas Ratio?
First Citizens Bank's Texas Ratio is 4.95% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.