First Citizens Bank
Mason City, IA · Cert 4433 · Peer group: banks $1B-$10B in assets (n=322-328) · First Citizens Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
$1.8BAssets
$1.3BLoans
$1.6BDeposits
$205.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks $1B-$10B in assets (rank 41 of 328).
- Widest gap: net charge-offs / loans trails 68% of banks $1B-$10B in assets (rank 220 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.70%
Rank 59 of 328
Net Interest Margin
3.31%
Rank 194 of 328
Efficiency Ratio
46.24%
Rank 41 of 328
Equity / Assets
11.42%
Rank 111 of 328
Non-interest income vs. expense
Unfavorable gap of $21.6M · efficiency ratio beats 88% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.91% | 1.22% | 1.52% | Beats 82% | 59 / 328 | | |
| Return on Equity | 14.87% | 8.43% | 11.45% | 14.43% | Beats 80% | 65 / 328 | | |
| Net Interest Margin | 3.31% | 3.03% | 3.45% | 3.83% | Beats 41% | 194 / 328 | | |
| Efficiency Ratio | 46.24% | 51.61% | 59.56% | 67.53% | Beats 88% | 41 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.24% | 0.51% | 1.03% | Beats 81% | 61 / 322 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 32% | 220 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 11.75% | 13.15% | 15.47% | Beats 59% | 135 / 328 | | |
| Total Risk-Based Capital Ratio | 14.96% | 12.63% | 14.15% | 16.46% | Beats 61% | 127 / 328 | | |
| Equity / Assets | 11.42% | 9.15% | 10.33% | 12.01% | Beats 66% | 111 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.31% | 76.63% | 87.92% | 95.36% | 42nd pctl | 187 / 323 | | |
| Loans / Assets | 73.93% | 65.18% | 74.15% | 79.98% | 49th pctl | 168 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |