Vitals
  • Total Assets
    1.2B 5.2 %
  • Total Deposits
    1.0B 1.5 %
  • Total Net Loans
    792.6M 15.1 %
  • Net Income
    13.0M 4.9 %
  • Book Value
    126.0M 4.7 %
  • Book Value x2
    251.9M 4.7 %
  • Book Value x3
    377.9M 4.7 %
ROAA

1.091

ROAE

10.413

Efficiency Ratio

57.901

Net Interest Margin

3.715

Balance Sheet Highlights
Financial Highlights First Citizens Community Bank All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 1,220,069 784,148
Total Net Loans 792,552 559,183
Total Deposits 1,007,748 637,080
Total Equity 125,973 81,247
Profitability
Net Income 12,979 6,303
Return on Average Assets 1.091 .785
Return on Average Equity 10.413 7.431
Net Interest Margin 3.715 3.473
Efficiency Ratio 57.901 69.514
Noninterest Income/Revenue 14.336 18.146
Balance Sheet Ratios
Loan-to-Deposit 78.646 86.432
Securities/Assets .255 .178
Total Equity/Total Assets .103 .104
Tangible Equity/Tangible Assets .084 .094
Capital Adequacy
Tier 1 Common Capital 108,419 72,881
Tier 1 Capital 108,419 73,172
Tier 2 Capital 9,118 6,143
Total Capital 117,537 79,518
Total Risk Weighted Assets 812,766 578,873
Leverage Ratio 9.13 9.899
Common Equity Tier 1 Capital Ratio 13.34 13.811
Tier 1 Capital Ratio 13.34 13.878
Total Capital Ratio 14.46 15.103

Timeline for First Citizens Community Bank

The First National Bank Of Fredericksburg

Acquisition: First Citizens Community Bank acquired a new subsidiary, The First National Bank Of Fredericksburg, 8 years

View Profile Dec 12 2015

First Citizens Insurance Agency, Inc.

First Citizens Insurance Agency, Inc. became a new subsidiary organization for First Citizens Community Bank.

View Profile Oct 01 2001

Star Savings And Loan Association

Acquisition: First Citizens Community Bank acquired a new subsidiary, Star Savings And Loan Association, 32 years

View Profile Dec 31 1991

Citizens Financial Services, Inc.

Citizens Financial Services, Inc. became a new parent organization for First Citizens Community Bank.

View Profile Mar 31 1984

Grange National Bank Of Potter County

Acquisition: First Citizens Community Bank acquired a new subsidiary, Grange National Bank Of Potter County, 53 years

View Profile Jan 04 1971

Want to see more?

Complete timeline for First Citizens Community Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Fredericksburg Seller 227,244 Acquisition Discontinued 12/12/2015
Star Savings And Loan Association Seller 47,499 Discontinued 12/31/1991
Grange National Bank Of Potter County Seller Discontinued 1/4/1971
The Citizens National Bank And Trust Company Seller Discontinued 4/1/1970
Relationships Role Relationship Start Relationship End
Citizens Financial Services, Inc. Parent 3/31/1984
First Citizens Insurance Agency, Inc. Subsidary 10/1/2001
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