Mason City, IA · Cert 4433 · First Citizens Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.07% | 1.79% | 1.54% | 1.82% | +61 bps | |
| Return on Equity | 12.11% | 10.46% | 16.72% | 13.76% | 16.02% | +391 bps | |
| Net Interest Margin | 2.99% | 3.04% | 3.09% | 3.23% | 3.43% | +44 bps | |
| Efficiency Ratio | 45.15% | 47.62% | 32.34% | 48.02% | 44.59% | -56 bps | |
| Non-Interest Burden | 1.00% | 1.08% | 0.52% | 1.21% | 1.14% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.09% | 2.23% | -0.91% | -3.01% | -1.57% | -366 bps | |
| Loan Growth (YoY) | 3.22% | 0.36% | -0.54% | -1.45% | -3.03% | -625 bps | |
| Deposit Growth (YoY) | 1.48% | 1.85% | -2.54% | -4.67% | -3.05% | -453 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.73% | 0.83% | 0.71% | 0.16% | -61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.27% | +28 bps | |
| Allowance / Loans | 1.36% | 1.41% | 1.42% | 1.44% | 1.38% | +2 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 1.7x | 2.0x | 8.7x | +6.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.18% | 11.25% | 11.48% | 12.08% | 11.96% | +78 bps | |
| Total Risk-Based Capital | 14.07% | 14.55% | 14.93% | 15.09% | 14.96% | +89 bps | |
| Equity / Assets | 10.10% | 10.27% | 11.16% | 11.25% | 11.42% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.30% | 79.57% | 83.32% | 84.32% | 84.31% | +1 bps | |
| Liquid Assets / Assets | 1.10% | 6.44% | 3.87% | 3.18% | 2.86% | +176 bps | |
| CRE / Total Capital | n/a | 307% | 286% | 280% | n/a | n/a | |