First Citizens Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at First Citizens Community Bank. Its balance sheet stood at $3.2 billion at June 30, 2026, up 7.6% from a year earlier; it is based in Mansfield, Pennsylvania. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.63% of loans from 1.02% a year earlier. It carries problem assets equal to 13.9% of the capital and reserves that would absorb them, 3.9 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
The multifamily book ($256 million) is worsening: 2.22% of it is past due or on nonaccrual, up from 0.46% a year earlier. Its $579 million non-owner-occupied commercial real estate book is improving, with 2.67% past due or on nonaccrual, down from 4.02% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, First Citizens Community Bank reported a return on assets of 1.43%, a nonperforming-loan ratio of 1.70% and a Texas ratio of 13.92%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 15 S Main St, Mansfield, PA 16933
- County
- Tioga
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 11, 1932
- Offices
- 44 domestic
- Employees (FTE)
- 394
- Domestic deposits
- $2.40B
- Allowance for credit losses
- $23.6M
- Net charge-offs (YTD)
- -$32K
- Average total assets
- $3.09B
- Average total loans
- $2.35B
- Average interest-bearing deposits
- $2.20B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7593
- Fed RSSD
- 978118
- SEC CIK
- 739421 → filed by CITIZENS FINANCIAL SERVICES, INC.
- Website
- www.firstcitizensbank.com →
- Parent Holding Company
- CITIZENS FINANCIAL SERVICES, INC. (RSSD 1118368) · CZFS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Randall E Black | CEO | CEO & PRESIDENT |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Citizens Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Citizens Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Citizens Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.64% | 1.43% | 1.70% | 13.92% | 3.69% |
| Q1 2026 | 9.33% | 1.41% | 1.64% | 13.28% | 3.72% |
| Q4 2025 | 9.54% | 1.47% | 1.14% | 9.32% | 3.76% |
| Q3 2025 | 9.44% | 1.40% | 0.88% | 7.47% | 3.67% |
| Q2 2025 | 9.22% | 1.24% | 1.10% | 9.48% | 3.47% |
| Q1 2025 | 9.06% | 1.09% | 1.07% | 9.37% | 3.33% |
| Q4 2024 | 8.99% | 1.12% | 1.12% | 10.07% | 3.35% |
| Q3 2024 | 8.96% | 1.06% | 0.92% | 8.92% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 44 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Citizens Community Bank (main office) | Mansfield , PA | 16933 | $250.2M |
| Wellsboro Branch | Wellsboro , PA | 16901 | $168.2M |
| County Line Road Branch | Huntingdon Valley , PA | 19006 | $138.1M |
| Canton Branch | Canton , PA | 17724 | $135.3M |
| Pine Grove Br | Fredericksburg , PA | 17026 | $116.1M |
| Huntington Valley Branch | Huntingdon Valley , PA | 19006 | $107.4M |
| Quentin Road Branch | Lebanon , PA | 17042 | $103.5M |
| Warrington Branch | Warrington , PA | 18976 | $98.9M |
| Sunset Branch | Lebanon , PA | 17046 | $88.1M |
| Blossburg Branch | Blossburg , PA | 16912 | $84.4M |
| Mount Aetna Branch | Mount Aetna , PA | 19544 | $83.7M |
| Towanda Branch | Towanda , PA | 18848 | $83.3M |
| Midcoast Community Branch | Wilmington , DE | 19808 | $76.0M |
| Troy Branch | Troy , PA | 16947 | $72.9M |
| Sayre Branch | Sayre , PA | 18840 | $61.9M |
| Ulysses Branch | Ulysses , PA | 16948 | $57.8M |
| Le Raysville Branch | Le Raysville , PA | 18829 | $54.5M |
| Wellsville Branch | Wellsville , NY | 14895 | $51.3M |
| Friedensburg Branch | Friedensburg , PA | 17933 | $49.7M |
| South Philly Branch Office | Philadelphia , PA | 19145 | $48.5M |
| State College Financial Center Branch | State College , PA | 16801 | $47.8M |
| Plumsteadville Branch | Pipersville , PA | 18947 | $45.3M |
| Mill Hall Branch | Mill Hall , PA | 17751 | $44.9M |
| Genesee Branch | Genesee , PA | 16923 | $44.3M |
| Mount Joy Branch | Mount Joy , PA | 17552 | $34.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 17, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 2023 | Structure Change | Acquired Huntingdon Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2020 | Structure Change | Acquired MidCoast Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 12, 2015 | Structure Change | Acquired The First National Bank of Fredericksburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 12, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Structure Change | Acquired Star Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 1971 | Structure Change | Acquired Grange National Bank of Potter County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1970 | Structure Change | Acquired Citizens National Bank of Blossburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Citizens Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action December 14, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in PA, rank 32 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 886 applications, 720 loans originated, $213.9M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $860K approved, $430K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Citizens Community Bank
What are First Citizens Community Bank's total assets?
As of the Q2 2026 filing, First Citizens Community Bank reported total assets of $3.19 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Citizens Community Bank headquartered?
First Citizens Community Bank is headquartered in Mansfield, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Citizens Community Bank founded?
First Citizens Community Bank was established in 1932, per the FDIC institution directory.
Is First Citizens Community Bank FDIC-insured?
Yes. First Citizens Community Bank is an FDIC-insured commercial bank (FDIC Certificate #7593). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Citizens Community Bank?
First Citizens Community Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Citizens Community Bank operate?
First Citizens Community Bank operates 44 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Citizens Community Bank's Texas Ratio?
First Citizens Community Bank's Texas Ratio is 13.92% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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