FIRST CITIZENS COMMUNITY BANK

MANSFIELD, PA | Large | Est. June 11, 1932, midnight | FDIC #7593 | RSSD #978118 | FED
Latest Report: 2025-12-31

FIRST CITIZENS COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in MANSFIELD, PA, established in June 11, 1932, midnight. As of 2025-12-31, the bank reported total assets of $3.1B and total deposits of $2.4B. Profitability stands at 1.47% ROA and 12.75% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 6.38%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 1.13% and a Texas Ratio of 7.60%. FDIC Certificate #7593.

Assets

$3.1B

Deposits

$2.4B

Loans

$2.4B

Equity

$358M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 12.75%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.85%
Cost of Funds 2.46%

Asset Quality

NPL Ratio 1.13%
Net Charge-Off Ratio 0.03%
Texas Ratio 7.60%
NPA Ratio 0.95%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 6.38%
Tier 1 Capital 6.38%
Total Capital Ratio 6.70%
Leverage Ratio 9.54%
Loan-to-Deposit 99.05%

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