First Citizens Community Bank
Mansfield, PA · Cert 7593 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens Finl Services Inc.
State charter, Fed member · FED · 44 branches
Q2 2026
$3.2BAssets
$2.4BLoans
$2.4BDeposits
$361.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 73% of banks $1B-$10B in assets (rank 89 of 322).
- Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 323 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.38%
Rank 111 of 328
Net Interest Margin
3.49%
Rank 157 of 328
Efficiency Ratio
53.51%
Rank 107 of 328
Equity / Assets
11.35%
Rank 114 of 328
Non-interest income vs. expense
Unfavorable gap of $49.2M · efficiency ratio beats 68% 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 | 1.38% | 0.91% | 1.22% | 1.52% | Beats 66% | 111 / 328 | | |
| Return on Equity | 12.18% | 8.43% | 11.45% | 14.43% | Beats 56% | 144 / 328 | | |
| Net Interest Margin | 3.49% | 3.03% | 3.45% | 3.83% | Beats 52% | 157 / 328 | | |
| Efficiency Ratio | 53.51% | 51.61% | 59.56% | 67.53% | Beats 68% | 107 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.70% | 0.24% | 0.51% | 1.03% | Beats 11% | 287 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 73% | 89 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 11.75% | 13.15% | 15.47% | Beats 2% | 322 / 328 | | |
| Total Risk-Based Capital Ratio | 9.64% | 12.63% | 14.15% | 16.46% | Beats 2% | 323 / 328 | | |
| Equity / Assets | 11.35% | 9.15% | 10.33% | 12.01% | Beats 65% | 114 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.13% | 76.63% | 87.92% | 95.36% | 86th pctl | 44 / 323 | | |
| Loans / Assets | 75.47% | 65.18% | 74.15% | 79.98% | 56th pctl | 143 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |