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First Citizens Bank
Mason City, IA · FDIC Certificate #4433 · Chartered 01/0
Total assets
$1.80B
Total deposits
$1.58B
Total equity
$205.18M
Net loans
$1.31B
Branches (offices)
7
Net income (YTD)
$19.02M
Rank: #648 of 4,213 U.S. banks by assets · #13 of 225 in Iowa. Assets changed -1.6% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.09% |
| Return on equity | 18.57% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 11.42% |
| Tier 1 leverage ratio | 11.96% |
| Uninsured deposits (share of deposits) | 45.6% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 83.2% |
| Real estate loans (share of loans) | 72.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $953.91M | 72.8% | |
| Commercial & industrial | $172.48M | 13.2% | |
| Consumer / individual | $15.43M | 1.2% | |
| Construction & development | $100.81M | 7.7% | |
| Agricultural | $135.39M | 10.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.59B | $1.42B | $13.68M | $160.75M |
| Jun 2023 | $1.62B | $1.42B | $10.87M | $162.24M |
| Jun 2024 | $1.79B | $1.60B | $10.55M | $171.05M |
| Jun 2025 | $1.83B | $1.63B | $14.32M | $184.44M |
| Jun 2026 | $1.80B | $1.58B | $19.02M | $205.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $1.37B | 6 |
| Minnesota | $210.92M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.58B.
Similar-sized banks
North Dallas Bank & Trust Co. ($1.81B) · Old Dominion National Bank ($1.80B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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