First Citizens Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.39 percentage points higher than in Q1 2026, at 100.13%. Within Pennsylvania, First Citizens Community Bank is 26th of 109 on return on assets, 1.43% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Citizens Community Bank sits 0.15 points higher, at 1.43% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 11.35% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.28% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 19.38% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 43.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 12.36% |
| Net interest margin | 3.69% |
| Efficiency ratio | 52.42% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.13% |
| Core deposits to total deposits | 90.75% |
| Brokered deposits to total deposits | 2.35% |
| Deposits to assets | 75.37% |
| Securities to assets | 15.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.64% | 1.08% |
| Q4 2023 | — | — | — | 8.54% | 1.10% |
| Q1 2024 | 10.96% | 10.96% | 11.90% | 8.74% | 1.01% |
| Q2 2024 | 10.87% | 10.87% | 11.85% | 8.88% | 0.79% |
| Q3 2024 | 10.84% | 10.84% | 11.75% | 8.96% | 1.06% |
| Q4 2024 | 11.08% | 11.08% | 11.99% | 8.99% | 1.12% |
| Q1 2025 | — | — | — | 9.06% | 1.09% |
| Q2 2025 | — | — | — | 9.22% | 1.24% |
| Q3 2025 | — | — | — | 9.44% | 1.40% |
| Q4 2025 | — | — | — | 9.54% | 1.47% |
| Q1 2026 | — | — | — | 9.33% | 1.41% |
| Q2 2026 | — | — | — | 9.64% | 1.43% |
First Citizens Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Citizens Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7593) · FFIEC NIC profile (RSSD 978118)