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First Citizens Community Bank


Overview / Commentary
www.firstcitizensbank.com
570-662-2121
15 South Main Street
Mansfield, PA 16933

First Citizens Community Bank is headquartered in Mansfield and is the 24th largest bank in the state of Pennsylvania. It is also the 573rd largest bank in the nation. It was established in 1932 and as of December of 2019, it had grown to 254 employees at 28 locations. First Citizens Community Bank's money market rates are 25% higher than the national average, and it has an A health rating.

Reviews (3)

First Citizens Provides Excellent Service

Posted by: |

I have been banking with First Citizens since I was a child and opened my first savings account. I was always treated with patience and had everything explained clearly, as one should to a child. This bank provides overdraft protection, which was useful to me during my college days when I overdrew my checking account several times. I spent several years after college traveling internationally in third world countries volunteering and doing human rights work independently. First Citizens always provided me service, even going so far as to set my debit card up to work internationally without limitations. This incurred no extra fees on my part. On the only occasion where my card information was stolen, the bank immediately noticed, froze my card, and actually closed the account to avoid loss on my part. As soon as I was in the United States again, the manager personally activated my already set up and waiting new account and card. Due to new regulations, I must activate my card each time I leave the United States, which I do often. I always receive almost instant service and have never been caught short or made to wait. I cannot be positive enough about the personal care and service I have been given by this institution over the years. My information has been kept secure, my money has been kept safe even when my card was compromised through no fault of the bank, and I am always responded to quickly and efficiently regardless of my need.

1

Local banks summary

Posted by: |

I have used First Citizens Bank for three different accounts. I've used them for checking, savings and my first car loan. In fact, my first memory of banking was with them and my usage of a passbook savings account. Later, when I was in high school I had my first checking account. Later in college, I had my first car loan with them. Overall, the level of service was good, and it helped that their local branches hired local people to work in them. I know of several people who worked there that I would see when I did whatever banking business I needed to do, and that level of familiarity is almost impossible to find in this age of increasing bank mergers and consolidations. I know the days of local service have pretty much gone away, but the small community banks that remain will always offer service that larger banks are lacking.

1

Checking account review for frst citizens bank

Posted by: |

First Citizens Community Bank is the best. The customer service reps are always friendly and helpful. The online banking is wonderful to access 24/7. When I married, they were very polite and helpful getting all my name changes done. They also work very quickly so I don't stand in line a lot. They also do eStatements online which is a plus. It makes less paper mail that I am just going to trash anyways. I can go to the online bank and view my transactions and checks anytime I would like. I would not trade to a different institution for any reason.

1


Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7593
Year Established1932
Employees254
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD13.86%
Annual Interest Income$62.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.47B$1.43B
LoansQ4 2019vs Q4 2018$1.10B$1.07B
DepositsQ4 2019vs Q4 2018$1.22B$1.19B
Equity CapitalQ4 2019vs Q4 2018$154.5MM$140.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$13.8MM$12.9MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$10.1MM$12.2MM
Real Estate OwnedQ4 2019vs Q4 2018$3.4MM$601.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First Citizens Community Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*†$100k*-Regular Savings
OTHER TIERS: 0.05% → $200 - $10k | 0.10% → $10k - $100k
0.15%*†$100k*-Escrow Savings
OTHER TIERS: 0.05% → $200 - $10k | 0.10% → $10k - $100k
0.10%*†$10k*-Health Savings Account
OTHER TIERS: 0.05% → Up to $1k | 0.08% → $1k - $10k

First Citizens Community Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*†$500k*-Natural Energy Flex Acct Money Market Investor
OTHER TIERS: 0.10% → Up to $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.45% → $100k - $250k | 0.50% → $250k - $500k
0.30%*†$100k*-Money Market Investor
OTHER TIERS: 0.05% → Up to $5k | 0.10% → $5k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k
0.30%*†$100k*-Money Market Investor Business
OTHER TIERS: 0.05% → Up to $5k | 0.10% → $5k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k
0.30%*†$100k*-Money Market Investor State and Political
OTHER TIERS: 0.05% → Up to $5k | 0.10% → $5k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k

First Citizens Community Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%-$25kVantage Checking
0.25%*†$100k*-Not For Profit Interest Checking
OTHER TIERS: 0.05% → $1k - $50k | 0.15% → $50k - $100k
0.15%*†$100k*-Business Interest Checking
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $100k
0.15%*†$100k*-NOW State Checking
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $100k
0.05%†--Relationship Checking
0.05%†--55 and Better Checking

First Citizens Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*†$100k*-72 Month CD
OTHER TIERS: 0.65% → $10k - $25k | 0.90% → $25k - $50k | 0.95% → $50k - $100k
0.95%*†$100k*-66 Month CD
OTHER TIERS: 0.60% → $500 - $10k | 0.75% → $10k - $25k | 0.85% → $25k - $50k | 0.90% → $50k - $100k
0.90%*†$100k*-60 Month CD
OTHER TIERS: 0.50% → $500 - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k
0.80%*†$100k*-48 - 59 Month CD
OTHER TIERS: 0.40% → $500 - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.75% → $50k - $100k
0.70%*†$100k*-36 - 47 Month CD
OTHER TIERS: 0.30% → $500 - $10k | 0.50% → $10k - $25k | 0.60% → $25k - $50k | 0.65% → $50k - $100k
0.70%*†$100k*-42 Month Breakable CD
OTHER TIERS: 0.55% → $5k - $100k
0.60%*†$100k*-24 - 35 Month CD
OTHER TIERS: 0.25% → $500 - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.55% → $50k - $100k
0.60%*†$100k*-30 Month Breakable CD
OTHER TIERS: 0.50% → $5k - $100k
0.55%*†$100k*-12 - 23 Month CD
OTHER TIERS: 0.25% → $500 - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k | 0.45% → $50k - $100k
0.45%*†$100k*-6 - 11 Month CD
OTHER TIERS: 0.15% → $500 - $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $100k
0.30%*†$100k*-1 - 5 Month CD
OTHER TIERS: 0.10% → $500 - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $100k
0.25%*†$100k*-1 Year Easy-Access CD
OTHER TIERS: 0.20% → $5k - $100k

First Citizens Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*†$100k*-72 Month IRA
OTHER TIERS: 0.65% → $10k - $25k | 0.90% → $25k - $50k | 0.95% → $50k - $100k
0.95%*†$100k*-66 Month IRA
OTHER TIERS: 0.60% → $500 - $10k | 0.75% → $10k - $25k | 0.85% → $25k - $50k | 0.90% → $50k - $100k
0.90%*†$100k*-60 Month IRA
OTHER TIERS: 0.50% → $500 - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k
0.80%*†$100k*-48 - 59 Month IRA
OTHER TIERS: 0.40% → $500 - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.75% → $50k - $100k
0.70%*†$100k*-30 Month IRA
OTHER TIERS: 0.50% → $500 - $10k | 0.55% → $10k - $25k | 0.60% → $25k - $50k | 0.65% → $50k - $100k
0.70%*†$100k*-36 - 47 Month IRA
OTHER TIERS: 0.30% → $500 - $10k | 0.50% → $10k - $25k | 0.60% → $25k - $50k | 0.65% → $50k - $100k
0.60%*†$100k*-36 Month Variable IRA
OTHER TIERS: 0.50% → $500 - $100k
0.60%*†$100k*-24 - 35 Month IRA
OTHER TIERS: 0.25% → $500 - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.55% → $50k - $100k
0.55%*†$100k*-12 - 23 Month IRA
OTHER TIERS: 0.25% → $500 - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k | 0.45% → $50k - $100k
0.50%*†$100k*-12 Month Variable Rate IRA
OTHER TIERS: 0.15% → $25 - $100k
0.45%*†$100k*-6 - 11 Month IRA
OTHER TIERS: 0.15% → $500 - $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $100k
Locations

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