First Citizens Community Bank
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Data as of · sourced from FFIEC call reports. How we update
First Citizens Community Bank is an FDIC-insured commercial bank headquartered in Mansfield, PA, established in 1932 (FDIC certificate 7593), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.19B, up 7.6% from Q2 2025, the 17th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7593
- Headquarters
- Mansfield, PA
- Established
- 1932
- Total assets, Q2 2026
- $3.19B
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 9.64%
- Domestic offices
- 44 FDIC institution directory, current count
- Routing number
- 031309589
- Latest call report
- Q2 2026, FFIEC 041 · First Citizens Community Bank call report
- Holding company
- CITIZENS FINANCIAL SERVICES, INC.
- Asset rank in state
- 17th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, First Citizens Community Bank is the 17th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.5% to $3.19B, loans rose 4.4% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 24.1% of total loans, followed by 1-4 family residential loans at 22.5%. The FDIC Summary of Deposits lists 44 offices for it, in 37 cities across 4 states; its Mansfield 2 offices book 11% of its branch deposits. Judged on its Q2 2026 call report, First Citizens Community Bank meets the community bank leverage ratio test for well capitalized.
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
- Domestic offices
- 44 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Citizens Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Citizens Community Bank's total assets ran between $2.92B (Q1 2024) and $3.19B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.19B total assets against $2.96B; $2.83B total liabilities against $2.63B.
$2.38B net loans and leases against $2.24B; $2.40B total deposits against $2.30B.
$491.5M securities against $431.8M; $42.6M cash and balances due against $53.1M.
$39.5M total interest income against $38.7M; $13.5M total interest expense against $14.7M.
$26.0M net interest income against $24.0M.
$3.9M total noninterest income against $3.6M; $16.0M total noninterest expense against $15.4M.
$500K provision for credit losses against $750K.
$11.0M net income against $9.3M.
1.43% return on assets against 1.24%; 3.69% net interest margin against 3.47%.
9.64% tier 1 leverage ratio against 9.22%.
Inside the full First Citizens Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 394 of 4,196, for total assets; its furthest is 1,464 of 3,611, for ROA.
Metric pages for First Citizens Community Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.06% (Q3 2024) to 1.47% (Q4 2025) and its net interest margin ran from 3.18% (Q3 2024) to 3.76% (Q4 2025).
| 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
View all 44 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 145 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Citizens Community Bank headquartered?
It is headquartered in Mansfield, PA, United States.
When was First Citizens Community Bank founded?
It was established in 1932, per the FDIC institution directory.
Is First Citizens Community Bank FDIC-insured?
Yes. It 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.
How many branches does First Citizens Community Bank operate?
It 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?
Its Texas Ratio is 13.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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