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First Citizens Community Bank
Mansfield, PA·FDIC Cert #7593·Charter: STATE·Est. 19320611.0·HC: CITIZENS FINL SERVICES INC
Total Assets
$3.1B
Q4 2025
Return on Assets
1.31%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.61%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.31%+0.06
ROE
11.57%+0.40
Efficiency
54.61%-1.11
Equity/Assets
0.00%+0.00
NPL Ratio
1.15%+0.26
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.09%+1.76
Charge-offs
0.03%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 0.9 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 | 1.3 |
| ROE | 9.6 | 8.6 | 9.0 | 9.3 | 10.0 | 10.6 | 11.2 | 11.6 |
| Efficiency | 61.9 | 62.4 | 62.2 | 62.0 | 59.0 | 57.1 | 55.7 | 54.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.9 | 1.1 | 1.1 | 1.1 | 0.9 | 1.1 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 |
| Loan/Deposit | 96.5 | 98.6 | 94.6 | 96.4 | 97.0 | 97.3 | 96.3 | 98.1 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.4B
Total Loans$2.3B
Total Equity$358.0M
Profitability
ROA1.31%
ROE11.57%
Efficiency Ratio54.61%
Net Income$39.5M
Risk & Asset Quality
NPL Ratio1.15%
Charge-off Rate0.03%
Loan/Deposit98.09%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans