BlastPoint's Banking Scorecard

First Citizens Bank

$1B-$10B Specialty: Commercial IA FDIC cert 4433

Designations: ✓ Community bank

Mason City, IA

7 branches across IA · MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits -3.0% year over year ($1.6B on the books).
Delinquency rate 0.16%.
Return on assets 2.09%.
Efficiency ratio 46.24% vs a 59.73% peer average.
Loan-to-deposit ratio 83.15% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

First Citizens Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 15.3% in tier
+ Efficiency Ratio 13.48% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 35.9% in tier
- Net Interest Margin 0.33% below tier average

Get updates when First Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$1.8B -1.6% YoY -1.4% QoQ	-$996.0M	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$1.3B -3.0% YoY -1.4% QoQ	-$652.7M	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$1.6B -3.0% YoY -1.5% QoQ	-$742.8M	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	48%
Return on Assets ?	2.09% +35.3% YoY +9.0% QoQ	+0.70%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 9.0% in tier
Net Interest Margin ?	3.54% +15.3% YoY +4.3% QoQ	-0.33%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	46.24% -2.0% YoY -3.7% QoQ	-13.48%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 14.1% in tier
Delinquency Rate ?	0.16% -79.3% YoY -77.7% QoQ	-0.71%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	83.15% +0.0% YoY +0.1% QoQ	-1.88%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	10.06% +1.4% YoY +3.2% QoQ	-11.21%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 10.8% in tier
Nonperforming Asset Ratio ?	0.18% -68.4% YoY -66.8% QoQ	-0.49%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	13.75% +7.0% YoY -0.6% QoQ	-1.09%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.35% +7.8% YoY +110.6% QoQ	-0.18%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Noninterest-Bearing	10.1% +0.1pp YoY +0.3pp QoQ	-11.3pp	21.4%	17.8%	22.2%	10%
Brokered Deposits	n/a	n/a	9.5%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	13.2% +0.7pp YoY +0.3pp QoQ	-0.8pp	14.0%	12.8%	12.5%	60%
CRE	45.6% -2.5pp YoY -0.8pp QoQ	-4.4pp	50.0%	28.3%	41.4%	38%
1-4 Family	13.9% +1.6pp YoY +0.4pp QoQ	-12.5pp	26.4%	23.0%	31.3%	27%
Consumer	1.2% -0.2pp YoY 0.0pp QoQ	-3.5pp	4.7%	2.9%	5.0%	49%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	13.8% +0.9pp YoY -0.1pp QoQ	-1.8pp	15.6%	15.4%	19.7%	54%
Leverage Ratio	12.0% +0.8pp YoY -0.1pp QoQ	+0.6pp	11.3%	12.4%	12.6%	76%
Total Capital Ratio	15.0% +0.9pp YoY -0.1pp QoQ	-1.7pp	16.7%	16.5%	20.8%	56%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	203 -2 (-1.0%) YoY -1 (-0.5%) QoQ	-111	313	64	482	42%
Assets per Employee ($)	$8.9M -0.6% YoY -0.9% QoQ	-$1.6M	$10.5M	$8.9M	$8.8M	52%
Branch Count	7 -1 (-12.5%) YoY 0 QoQ	-13	20	5	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.2% -0.6pp YoY -0.6pp QoQ	-0.7pp	0.8%	1.0%	1.0%	17%
Allowance Coverage	8.69x +388.8% YoY +325.9% QoQ	-10.02x	18.71x	18.97x	20.23x	86%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	18.6% +2.9pp YoY +1.4pp QoQ	+6.0pp	12.6%	12.8%	11.6%	87%
Cost of Funds (YTD)	2.0% -0.4pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	56%
Net Income ($, YTD)	$19.0M +32.8% YoY — QoQ	-$221K	$19.2M	$4.0M	$40.4M	67%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#35 of 222 • Top 15.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.09%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#48 of 131 • Bottom 35.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.39%

#81 of 885 Top 9.0% in $1B-$10B

126

Efficiency Ratio

profitability

Value: 46.24%

Peer Median: 59.73%

#126 of 885 Top 14.1% in $1B-$10B

164

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.87%

#164 of 882 Top 18.5% in $1B-$10B

219

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (1 metrics)

790

Non-Interest-Bearing Deposit Share

funding

Value: 10.06%

Peer Median: 21.27%

#790 of 885 Bottom 10.8% in $1B-$10B