First Citizens Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Citizens Community Bank of Mansfield, PA against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.43% | 1.46% | -0.03% | 62nd above |
| ROAE Behind the peer average, ahead of the median peer. | 12.36% | 12.72% | -0.36% | 50th above |
| Net Interest Margin | 3.69% | 3.85% | -0.16% | 49th below |
| Efficiency Ratio | 52.42% | 57.41% | -4.99% | 68th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.80% | 1.88% | -0.08% | 56th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.72% | -0.15% | 52nd above |
| Cost of Funds | 1.87% | 2.02% | -0.15% | 58th above |
| Net Interest Spread | 3.22% | 3.18% | +0.04% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.28% | 1.00% | +1.28% | 9th bottom |
| NPA / Total Assets | 1.79% | 0.76% | +1.03% | 8th bottom |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 93rd top |
| ACL / Total Loans | 0.98% | 1.31% | -0.33% | 27th below |
| ACL / NPLs (Coverage) | 43.00% | 543.98% | -500.98% | 7th bottom |
| Texas Ratio | 19.38% | 7.37% | +12.01% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.64% | 11.44% | -1.80% | 27th below |
| Equity / Assets | 11.35% | 11.33% | +0.02% | 66th above |
| TCE / Tangible Assets | 8.86% | 10.50% | -1.64% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.13% | 86.94% | +13.19% | 18th bottom |
| Core Deposit Ratio | 90.75% | 85.55% | +5.20% | 61st above |
| Uninsured Deposit Ratio | 46.35% | 33.11% | +13.24% | 14th bottom |
| Wholesale Funding Ratio | 11.82% | 5.69% | +6.13% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.59% | 9.68% | -2.09% | 66th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.56% | 8.06% | -1.50% | 56th above |
| Deposit Growth (Y/Y) | 4.53% | 7.87% | -3.34% | 48th below |
See First Citizens Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Citizens Community 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 Community Bank profile, how to read a UBPR, or how this data updates.