BlastPoint's Banking Scorecard
First Citizens Bank
Community
Specialty: Commercial
IA
FDIC cert 4433
Mason City, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
First Citizens Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46% in Community
- + Efficiency Ratio 19.23% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 30% in Community
- - Non-Interest-Bearing Deposit Share 11.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-0.9% YoY
-4.0% QoQ
|
+$438.8M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.3B
-0.7% YoY
-0.5% QoQ
|
+$347.3M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.6B
-2.5% YoY
-4.9% QoQ
|
+$445.9M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.66%
+24.8% YoY
+13.4% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.16%
+14.3% YoY
+2.0% QoQ
|
-0.50% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
43.41%
-17.0% YoY
-8.3% QoQ
|
-19.23% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.85%
+5.9% YoY
+14.3% QoQ
|
+0.22% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
82.13%
+1.9% YoY
+4.7% QoQ
|
-0.93% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
9.40%
-8.8% YoY
+8.2% QoQ
|
-11.65% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.61%
+6.2% YoY
+18.4% QoQ
|
+0.11% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
13.68%
+9.4% YoY
+2.8% QoQ
|
+3.44% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.68%
-1.3% YoY
+42.1% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#173 of 371 · Top 46% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.66%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.41%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Deposit Outflow
decline
#75 of 248 · Bottom 30% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.40%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Efficiency Ratio
Current: 43.41% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 10.24%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.13% · Tier avg: 83.06%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.63%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.40% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.40% · Tier avg: 21.05%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
31
31th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.13% · Tier avg: 83.06%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 10.24%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
77
77th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
93
93th pctile
Efficiency Ratio
Current: 43.41% · Tier avg: 62.63%