TellerScore

First Citizens Bank is a state-chartered bank (fed member) headquartered in Mason City, Iowa, in business for about 134 years. At the end of Q2 2026 it reported $1.8B in total assets and $1.6B in deposits, with 7 offices across 2 states.

Based on its Q2 2026 filing, First Citizens Bank scores 81/100, which we describe as strong. That is higher than 91% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 53rd. Its strongest component is earnings (100/100; 2.09%), and its lowest is funding & liquidity (43/100; 83% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.96%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings100/100
Return on assets (annualized): 2.09%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 83.2% · 45.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (70 → 81), mostly because the loan quality component improved by 21 points.

TellerScore
687581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202468
Q1 202570
Q2 202570
Q3 202570
Q4 202571
Q1 202676
Q2 202681
Tier 1 leverage ratio
5.00%8.54%12.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.38%
Q3 202411.08%
Q4 202411.20%
Q1 202511.24%
Q2 202511.18%
Q3 202511.25%
Q4 202511.48%
Q1 202612.08%
Q2 202611.96%
Noncurrent loans
0.16%0.50%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.53%
Q4 20240.79%
Q1 20250.77%
Q2 20250.77%
Q3 20250.73%
Q4 20250.83%
Q1 20260.71%
Q2 20260.16%
Return on assets
1.20%1.65%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.33%
Q4 20241.33%
Q1 20251.58%
Q2 20251.55%
Q3 20251.46%
Q4 20251.66%
Q1 20261.92%
Q2 20262.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.8B11.96%0.16%2.09%83.2%
Q1 202676$1.8B12.08%0.71%1.92%83.1%
Q4 202571$1.8B11.48%0.83%1.66%82.1%
Q3 202570$1.9B11.25%0.73%1.46%78.4%
Q2 202570$1.8B11.18%0.77%1.55%83.2%
Q1 202570$1.9B11.24%0.77%1.58%80.5%
Q4 202468$1.8B11.20%0.79%1.33%80.6%
Q3 202470$1.9B11.08%0.53%1.33%79.8%
Q2 202469$1.8B11.38%0.67%1.20%81.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.96%
76th
Total risk-based capital14.96%
67th
Problem loans0.16%
81st
Net charge-offs0.13%
25th
Return on assets2.09%
91st
Net interest margin3.54%
39th
Efficiency ratio46.2%
85th
Loans to deposits83.2%
59th
Uninsured deposits45.6%
16th
Loan-loss reserves1.38%
78th
Texas ratio1.5%
77th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Ankeny, IA76 out of 100, Strong$1.7B11.7%0.19%vs
Availa BankBank Carroll, IA65 out of 100, Moderate$1.7B9.3%0.26%vs
Lincoln Savings BankBank Reinbeck, IA27 out of 100, Low$1.7B9.1%4.32%vs
CBI Bank & TrustBank Muscatine, IA64 out of 100, Moderate$1.7B10.2%1.01%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Farmers State BankBank Waterloo, IA72 out of 100, Strong$1.6B11.2%0.01%vs

Deposit insurance

Is my money safe at First Citizens Bank?

Yes. First Citizens Bank is an FDIC-insured institution (FDIC certificate #4433). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.6% of deposits ($719.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.96% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First Citizens Bank lists 6 offices in 6 cities across 2 states. Most locations:

  • Charles City, IA (1)
  • Clarion, IA (1)
  • Mason City, IA (1)
  • Mora, MN (1)
  • New Hampton, IA (1)
  • Osage, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Citizens Bank
Former names
The Citizens National Bank of Charles City; Citizens National Bank; First Citizens National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
4433
RSSD ID
186744
Primary regulator
FED
Holding company
First Citizens Financial Corp
Established
January 9, 1892
Headquarters
2601 4th St Sw, Mason City, IA 50401
Employees
203

Quick answers

First Citizens Bank: common questions

Is First Citizens Bank FDIC insured?

Yes. First Citizens Bank is an FDIC-insured institution (FDIC certificate #4433). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Citizens Bank's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Citizens Bank ever failed?

There is no failure record for FDIC certificate #4433 in the FDIC failed bank list.

How many branches does First Citizens Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Mason City

InstitutionScoreAssetsCapitalProblem loansCompare
United Bank and Trust CompanyBank Hampton, IA97 out of 100, Very strong$228.4M14.8%0.00%vs
Ace Credit UnionCredit union Mason City, IA89 out of 100, Very strong$7.5M20.9%0.12%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs
Iowa Heartland Credit UnionCredit union Mason City, IA77 out of 100, Strong$30.3M17.0%0.42%vs
Cent Credit UnionCredit union Mason City, IA77 out of 100, Strong$166.0M12.7%0.20%vs
Clear Lake Bank and Trust CompanyBank Clear Lake, IA75 out of 100, Strong$649.3M8.5%0.00%vs