First Citizens Community Bank
First Citizens Community Bank reported total assets of $3.2 bn at Q2 2026, up 7.6% on a year earlier, the 396th largest of 497 banks in our US coverage. First Citizens Community Bank uses the community bank leverage ratio framework, with a leverage ratio of 9.64%. First Citizens Community Bank held deposits of $2.4 bn. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, First Citizens Community Bank climbed from 237th to 195th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- First Citizens Community Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- Since , First Citizens Community Bank has taken over 2 institutions; the latest was Huntingdon Valley Bank on (FDIC Call Reports).
What sets First Citizens Community Bank apart
How large is First Citizens Community Bank?
The balance sheet of First Citizens Community Bank at : assets $3.2 bn, deposits $2.4 bn, net loans $2.4 bn (loans equal to 99.15% of deposits). Securities make up 15.4% of total assets at First Citizens Community Bank. Since , when First Citizens Community Bank held $1.2 bn, its assets grew 167.8%. In the year to , deposits at First Citizens Community Bank rose 4.5% while its total assets rose 7.6%. At , First Citizens Community Bank employed 394 full-time equivalent staff across 44 offices, about $8.1 mn of assets per employee and $54.6 mn of deposits per office.
How much funding at First Citizens Community Bank is uninsured?
At First Citizens Community Bank, uninsured deposits (above the FDIC limit) made up 46.35% of domestic deposits at (+0.76 pp on a year earlier); First Citizens Community Bank ranks 119th of 500 on this measure. In dollars, First Citizens Community Bank estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +4.5% | 438th of 499 |
| Net loans and leases | $2.4 bn | +6.6% | 388th of 500 |
| Loan-to-deposit ratio | 99.15% | +1.89 pp | 66th of 500 |
| Net interest margin | 3.74% | +0.25 pp | 219th of 500 |
| Return on assets (ROA) | 1.43% | +0.25 pp | 180th of 500 |
| Efficiency ratio | 53.16% | -3.90 pp | 195th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $18.9 mn | Narrowed by $10.4 mn | |
| Noncurrent loans to total loans | 1.70% | +0.60 pp | 445th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.07 pp | 36th of 500 (1 = lowest) |
US rank of First Citizens Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
First Citizens Community Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.4bn
- Net loans $2.4bn
Capital and securities
First Citizens Community Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 9.64% in . Equity capital of First Citizens Community Bank at : $361.9 mn, or 11.4% of total assets.
The available-for-sale portfolio of First Citizens Community Bank showed an unrealized loss of $18.9 mn at ; the loss narrowed by $10.4 mn over the year.
First Citizens Community Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.6%
First Citizens Community Bank: unrealized securities gains and losses
- Available for sale -$19mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Citizens Community Bank earned a return on equity of 12.32%; return on assets: 1.43%. Net interest margin at First Citizens Community Bank: 3.74%, +0.25 pp in a year. First Citizens Community Bank net income: $22.0 mn, up 24.9% year on year. The efficiency ratio of First Citizens Community Bank was 53.16%: about 53 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 1.70% of total loans at First Citizens Community Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at First Citizens Community Bank: $2.4 bn, up 6.6% in a year.
First Citizens Community Bank: profitability
- Return on equity 12%
- Net interest margin 3.7%
- Return on assets 1.4%
Peer group of First Citizens Community Bank
The peer group of First Citizens Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of First Citizens Community Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, First Citizens Community Bank shows return on equity 12.32% against a peer median of 10.21% and uninsured deposit share 46.35% against a peer median of 29.18%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | Federal savings bank | MO | $3.2 bn | 17.49% | 9.28% | 10.75% | |
| First Citizens Community Bank | State member bank | PA | $3.2 bn | not reported | 12.32% | 46.35% | |
| Exchange Bank | State nonmember bank | CA | $3.2 bn | 18.98% | 8.44% | 25.88% | |
| Bank of Greene | Federal savings bank | NY | $3.2 bn | 15.85% | 15.59% | 14.68% | |
| Unity Bank | State nonmember bank | NJ | $3.2 bn | 14.27% | 16.24% | 42.06% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Citizens Community Bank, to : assets +5.5%, deposits -2.1%, equity +9.9%. Staff 395 to 394; offices 42 to 44.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.0 bn | $3.2 bn |
| Total deposits | $2.5 bn | $2.4 bn | $2.4 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.4 bn |
| Bank equity capital | $329.2 mn | $328.2 mn | $336.0 mn | $334.7 mn | $348.2 mn | $358.0 mn | $353.0 mn | $361.9 mn |
| CET1 ratio | 10.84% | 11.08% | not reported | not reported | not reported | not reported | not reported | not reported |
| Return on equity (ROE) | 8.98% | 9.34% | 10.04% | 10.60% | 11.17% | 11.57% | 12.37% | 12.32% |
| Uninsured share of domestic deposits | 50.37% | 48.63% | 47.51% | 45.59% | 48.42% | 47.20% | 47.56% | 46.35% |
| Full-time equivalent employees | 395 | 387 | 377 | 384 | 372 | 380 | 386 | 394 |
| Number of offices | 42 | 43 | 43 | 43 | 43 | 43 | 43 | 44 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Citizens Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The First National Bank of Fredericksburg (FDIC certificate 7502).
- . Absorbed MidCoast Community Bank (FDIC certificate 58498).
- . Absorbed Huntingdon Valley Bank (FDIC certificate 30464).
Questions and identifiers
What were the total assets of First Citizens Community Bank?
First Citizens Community Bank reported $3.2 bn at in its Call Report. That makes First Citizens Community Bank the 396th largest of 497 banks in our US coverage.
Is First Citizens Community Bank the same as its holding company?
No. This page covers First Citizens Community Bank, FDIC certificate 7593; CITIZENS FINL SERVICES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Citizens Community Bank profitable?
First Citizens Community Bank reported net income of $22.0 mn for the year to ; annualized return on equity: 12.32%. So yes: First Citizens Community Bank made a profit over these months.
When is data for First Citizens Community Bank next updated?
Figures from First Citizens Community Bank for are due after .
Where can I check the figures for First Citizens Community Bank?
In the FDIC BankFind Suite record for certificate 7593, and in the Call Reports of First Citizens Community Bank (RSSD ID 978118) at the FFIEC Central Data Repository.