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First Citizens Community Bank

$1B-$10B Specialty: Commercial PA FDIC cert 7593

Mansfield, PA

44 branches across PA · DE · NJ · NY

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 37 in PA.
  • Deposits +4.5% year over year ($2.4B on the books).
  • Delinquency rate 1.72%.
  • Return on assets 1.43%.
  • Efficiency ratio 53.16% vs a 59.73% peer average.
  • Loan-to-deposit ratio 99.15% 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 37 in PA
View $1B-$10B leaderboard (PA) →

First Citizens Community Bank has 1 strength but faces 3 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

  • + Efficiency Ratio 6.57% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 28.8% in tier
  • - Net Interest Margin 0.13% below tier average
  • - Delinquency Rate 0.86% above tier average
Get updates when First Citizens Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $3.2B
+7.6% YoY +5.5% QoQ
+$394.1M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $2.4B
+6.6% YoY +4.4% QoQ
+$418.6M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $2.4B
+4.5% YoY -2.3% QoQ
+$83.5M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 1.43%
+21.2% YoY -1.3% QoQ
+0.04% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 3.74%
+7.3% YoY -2.3% QoQ
-0.13% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 53.16%
-6.8% YoY +0.0% QoQ
-6.57% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 1.72%
+54.3% YoY +4.1% QoQ
+0.86% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Bottom 11.9% in tier
Loan-to-Deposit Ratio ? 99.15%
+1.9% YoY +6.8% QoQ
+14.11% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 17.27%
-2.8% YoY +3.2% QoQ
-4.00% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 1.36%
+47.2% YoY +2.5% QoQ
+0.69% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Bottom 12.7% in tier
Tier 1 Capital Ratio ? 9.64%
+4.6% YoY +3.4% QoQ
-5.20% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 2.8% in tier
Non-Interest Income / Assets ? 0.24%
-0.2% YoY +97.2% QoQ
-0.29% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
38%

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 17.3%
-0.5pp YoY
+0.5pp QoQ
 -4.1pp 21.4% 18.7% 22.2% 36%
Brokered Deposits 2.4%
-0.3pp YoY
-2.2pp QoQ
 -7.1pp 9.5% 6.8% 8.5% 30%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 5.7%
-0.1pp YoY
-0.3pp QoQ
 -8.3pp 14.0% 8.6% 12.5% 22%
CRE 48.8%
+0.6pp YoY
-0.5pp QoQ
 -1.2pp 50.0% 37.9% 41.4% 46%
1-4 Family 22.7%
-2.2pp YoY
-0.8pp QoQ
 -3.8pp 26.4% 47.8% 31.3% 49%
Consumer 1.6%
-0.5pp YoY
+0.8pp QoQ
 -3.1pp 4.7% 3.8% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.3% 19.7% n/a
Leverage Ratio 9.6%
+0.4pp YoY
+0.3pp QoQ
 -1.7pp 11.3% 13.2% 12.6% 27%
Total Capital Ratio n/a n/a 16.7% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 394
+10 (+2.6%) YoY
+8 (+2.1%) QoQ
 +80 313 299 482 77%
Assets per Employee ($) $8.1M
+4.9% YoY
+3.3% QoQ
 -$2.4M $10.5M $9.2M $8.8M 41%
Branch Count 44
+1 (+2.3%) YoY
+1 (+2.3%) QoQ
 +24 20 20 18 92%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 48%
Nonaccrual 1.7%
+0.6pp YoY
0.0pp QoQ
 +0.9pp 0.8% 0.9% 1.0% 89%
Allowance Coverage 0.57x
-35.2% YoY
-5.3% QoQ
 -18.14x 18.71x 3.63x 20.23x 8%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 12.3%
+1.7pp YoY
0.0pp QoQ
 -0.3pp 12.6% 10.2% 11.6% 51%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.8% 1.7% 52%
Net Income ($, YTD) $22.0M
+24.9% YoY
— QoQ
 +$2.8M $19.2M $18.2M $40.4M 73%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#65 of 222 • Bottom 28.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.64%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

861
Tier 1 Capital Ratio
capital
Value: 9.64%
Peer Median: 14.84%
#861 of 885 Bottom 2.8% in $1B-$10B
778
Delinquency Rate
credit_quality
Value: 1.72%
Peer Median: 0.87%
#778 of 882 Bottom 11.9% in $1B-$10B
774
Nonperforming Asset Ratio
credit_quality
Value: 1.36%
Peer Median: 0.67%
#774 of 885 Bottom 12.7% in $1B-$10B
742
Loan-to-Deposit Ratio
liquidity
Value: 99.15%
Peer Median: 85.04%
#742 of 885 Bottom 16.3% in $1B-$10B
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