BlastPoint's Banking Scorecard
First Citizens Community Bank
Community
Specialty: Commercial
PA
FDIC cert 7593
Mansfield, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
First Citizens Community Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Capital Thin: Bottom 22% in Community
- - Liquidity Strain: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+1.3% YoY
+0.3% QoQ
|
+$1.7B |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.3B
+1.6% YoY
+0.5% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.4B
-0.2% YoY
-1.3% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.31%
+29.6% YoY
+4.6% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.62%
+10.0% YoY
+1.9% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
54.61%
-11.8% YoY
-2.0% QoQ
|
-8.02% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
1.15%
+1.4% YoY
+29.9% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
98.09%
+1.7% YoY
+1.8% QoQ
|
+15.03% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
16.63%
+2.2% YoY
-0.3% QoQ
|
-4.42% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.95%
+0.5% YoY
+26.6% QoQ
|
+0.46% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
-8.5% YoY
+30.8% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#8 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#96 of 432 · Bottom 22% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#128 of 513 · Bottom 25% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.09%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
Total Loans
Current: $2.3B · Tier avg: $975.5M
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
83
83th pctile
Loan-to-Deposit Ratio
Current: 98.09% · Tier avg: 83.06%
74
74th pctile
Efficiency Ratio
Current: 54.61% · Tier avg: 62.63%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.63% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.50%
Top Weaknesses
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.63% · Tier avg: 21.05%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.61% · Tier avg: 62.63%
83
83th pctile
Loan-to-Deposit Ratio
Current: 98.09% · Tier avg: 83.06%
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M