BlastPoint's Banking Scorecard
First Citizens Bank
Designations: ✓ Community bank
Mason City, IA
8 branches across IA · MN
First Citizens Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39.8% in tier
- + Efficiency Ratio 13.04% below tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 23.1% in tier
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-3.0% YoY
-0.4% QoQ
|
-$992.9M |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$1.3B
-1.6% YoY
+0.5% QoQ
|
-$635.6M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$1.6B
-4.7% YoY
-0.7% QoQ
|
-$743.8M |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.92%
+21.3% YoY
+15.7% QoQ
|
+0.56% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 12.1% in tier |
| Net Interest Margin ? |
3.39%
+15.3% YoY
+7.2% QoQ
|
-0.43% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
48.02%
-2.8% YoY
+10.6% QoQ
|
-13.04% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.72%
-7.9% YoY
-15.1% QoQ
|
-0.17% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
83.11%
+3.2% YoY
+1.2% QoQ
|
-1.10% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
9.75%
+2.4% YoY
+3.8% QoQ
|
-11.54% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.2% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-2.6% YoY
-10.6% QoQ
|
-0.13% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
13.84%
+8.4% YoY
+1.1% QoQ
|
-1.32% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.16%
+7.0% YoY
-75.9% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
59% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.