Mason City, IA · Cert 4433 · First Citizens Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.09% | 1.28% | 1.25% | 1.18% | 1.34% | 1.54% | 1.68% | +43 bps | |
| Return on Equity | 11.16% | 11.20% | 13.12% | 12.66% | 11.85% | 13.16% | 13.76% | 14.89% | +223 bps | |
| Net Interest Margin | 2.45% | 2.55% | 2.78% | 2.89% | 2.93% | 2.96% | 3.23% | 3.31% | +43 bps | |
| Efficiency Ratio | 53.65% | 52.32% | 49.39% | 47.20% | 47.35% | 43.41% | 48.02% | 46.24% | -96 bps | |
| Non-Interest Burden | 1.01% | 1.01% | 1.06% | 1.03% | 1.05% | 0.91% | 1.21% | 1.17% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.71% | 7.16% | 6.49% | 2.09% | 2.23% | -0.91% | -3.01% | -1.57% | -366 bps | |
| Loan Growth (YoY) | 10.05% | 7.01% | 7.08% | 3.22% | 0.36% | -0.54% | -1.45% | -3.03% | -625 bps | |
| Deposit Growth (YoY) | 8.99% | 8.68% | 6.07% | 1.48% | 1.85% | -2.54% | -4.67% | -3.05% | -453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.79% | 0.77% | 0.77% | 0.73% | 0.83% | 0.71% | 0.16% | -61 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | +14 bps | |
| Allowance / Loans | 1.20% | 1.28% | 1.32% | 1.36% | 1.41% | 1.42% | 1.44% | 1.38% | +2 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.6x | 1.7x | 1.8x | 1.9x | 1.7x | 2.0x | 8.7x | +6.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.08% | 11.20% | 11.24% | 11.18% | 11.25% | 11.48% | 12.08% | 11.96% | +78 bps | |
| Total Risk-Based Capital | 13.30% | 13.64% | 13.93% | 14.07% | 14.55% | 14.93% | 15.09% | 14.96% | +89 bps | |
| Equity / Assets | 9.88% | 9.63% | 9.88% | 10.10% | 10.27% | 11.16% | 11.25% | 11.42% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.75% | 81.64% | 81.57% | 84.30% | 79.57% | 83.32% | 84.32% | 84.31% | +1 bps | |
| Liquid Assets / Assets | 3.20% | 3.39% | 3.22% | 1.10% | 6.44% | 3.87% | 3.18% | 2.86% | +176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 286% | 280% | n/a | n/a | |