BlastPoint's Banking Scorecard
First Citizens Community Bank
Mansfield, PA
45 branches across PA · DE · NJ · NY
First Citizens Community Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Efficiency Ratio 7.91% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3.6% in tier
- - Liquidity Strain: Bottom 6.6% in tier
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+0.3% YoY
-1.2% QoQ
|
+$206.4M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$2.3B
-0.8% YoY
-2.4% QoQ
|
+$316.4M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$2.5B
+3.7% YoY
+3.2% QoQ
|
+$114.7M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.45%
+30.9% YoY
+10.7% QoQ
|
+0.08% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
3.83%
+11.8% YoY
+5.8% QoQ
|
+0.01% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
53.15%
-9.9% YoY
-2.7% QoQ
|
-7.91% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
1.65%
+52.6% YoY
+44.1% QoQ
|
+0.77% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.7% in tier |
| Loan-to-Deposit Ratio ? |
92.81%
-4.4% YoY
-5.4% QoQ
|
+8.60% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
16.74%
+0.1% YoY
+0.7% QoQ
|
-4.55% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.33%
+45.4% YoY
+39.1% QoQ
|
+0.65% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
9.33%
+3.0% YoY
-2.3% QoQ
|
-5.83% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.4% in tier |
| Non-Interest Income / Assets ? |
0.12%
+5.5% YoY
-74.2% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.