First Citizens Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Citizens Bank of Mason City, IA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.22% | 1.46% | +0.76% | 92nd top |
| ROAE | 19.98% | 12.69% | +7.29% | 89th top |
| Net Interest Margin | 3.58% | 3.85% | -0.27% | 40th below |
| Efficiency Ratio | 44.23% | 57.41% | -13.18% | 88th top |
| PPNR / Avg Assets | 2.29% | 1.88% | +0.41% | 82nd top |
| Yield on Earning Assets | 5.49% | 5.72% | -0.23% | 48th below |
| Cost of Funds | 2.12% | 2.02% | +0.10% | 43rd below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 1.00% | -0.73% | 76th top |
| NPA / Total Assets | 0.26% | 0.76% | -0.50% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.27% | 0.43% | -0.16% | 15th bottom |
| ACL / Total Loans | 1.38% | 1.31% | +0.07% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 513.74% | 564.39% | -50.65% | 82nd top |
| Texas Ratio | 2.11% | 7.39% | -5.28% | 76th top |
| Provision / NCO | 8.47% | 619.05% | -610.58% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.75% | 17.34% | -3.59% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.75% | 17.37% | -3.62% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.96% | 18.42% | -3.46% | 56th above |
| Leverage Ratio | 11.96% | 11.44% | +0.52% | 76th top |
| Equity / Assets | 11.42% | 11.33% | +0.09% | 67th above |
| TCE / Tangible Assets | 11.42% | 10.50% | +0.92% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.31% | 86.96% | -2.65% | 60th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.46% | 85.55% | +0.91% | 39th below |
| Uninsured Deposit Ratio | 45.62% | 33.12% | +12.50% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.57% | 9.69% | -11.26% | 10th bottom |
| Loan Growth (Y/Y) | -3.03% | 8.07% | -11.10% | 9th bottom |
| Deposit Growth (Y/Y) | -3.05% | 7.88% | -10.93% | 8th bottom |
See First Citizens Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Citizens Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Citizens Bank profile, how to read a UBPR, or how this data updates.