# FIRST CITIZENS BANK
MASON CITY, IA · FDIC certificate 4433 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.80B | |
| Deposits | $1.58B | |
| Loans and leases | $1.33B | |
| Total equity | $205.2M | |
| Loans / deposits | 83.15% (p41 of band) | 87.10% |
| Liquid assets / assets | 22.94% (p57 of band) | |
| Uninsured deposits / deposits | 45.62% (p84 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.96% (p76 of band) | 10.50% |
| Unrealized securities loss / equity | -7.75% (p50 of band) | -7.75% |
| AOCI / equity | -1.40% (p10 of band) | |
| ROA (annualized) | 2.09% (p91 of band) | 1.26% |
| Net interest margin | 3.54% (p39 of band) | 3.70% |
| Efficiency ratio | 46.24% (p15 of band) | |
| Noncurrent loans | 0.16% (p20 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p76 of band) | |
| Reserve coverage of noncurrent | 869.19% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 49.13% (p51 of band) | |
| Auto loans | $9.8M (0.74% of loans; DQ 0.72%, NCO 0.00%) | |
| Loans to nondepository financials | $314,000 (0% of equity) (p73 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 203 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | wholesale funding >15% |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [First Citizens Bank answers concerns after transition frustrates clients - KETV](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbERMaC13Sm9FV1VXQW1JWlZqeUMyT2pmelllYTFDZEk0djdvOUVkZ3FhYWhtVVduN1JvNk1PYWVaT0FYWUJUeEI1dXNIa285YWt1VWxqeWtUbWJzbnptZ3hBUEFRR3g2QkZqcDQ0QzJtYzVYbUNydjJ6cUZweU9fanRfREZLenlNQkJxc2k3M20zTHUwbnBrMHp2ckpTN0Y2QnJvcHJKcy1OX0E0OHVn?oc=5) · KETV
- 2026-09-08 [First Citizens says Omaha BMO account access issue is fixed - WOWT](https://news.google.com/rss/articles/CBMilwFBVV95cUxQOTNMX2VFTEZ0WF9qM2t2dExhX0RfdTAwcklyX2RSdHNrdGIzTUhHbVNMRDNRMUxGVlg2Z05CNlNyT3dKSWNfZEVIRHdJQ3VZZGlmQ2tfNTlhUlZialhrNjFNR2VGYUpHRk13dC1Ga0EwUDVfQy0zdjV0YmhYblNTUU1wR1RmVXJPV1lVUThuWl85SVJmdWo40gGrAUFVX3lxTE1EWDN1U0ZzLTNnbHcxTmdNT25FbVB0aGZsOG5lTmFXUldRMXRWMzZCMjItWDB2Tk1vQ1ZLVXR3UzR6aFA0dFBhVmgyNFZ6RTZRWnRWdzY5R3gtRGFEZWZOOEkzeDhFelpuQ1RuQ1JxMVNtN3F0dW5CVU1SU1VvVmpVbWh3UFNkOW1NVzBWQzgxUU5qTkdnUml4QWVjQXFmTG5vRHcwa0hVNzB1RQ?oc=5) · WOWT
- 2026-07-23 [First Citizens says it's repaid $8.5B tied to SVB acquisition - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWnFMNUQ2Tm9vUXRHcXhZeE93TVduVDROMHJzY2RnOXg2WXV5X183bnl4X1NZb3NUd0M4Z0tPS2dkUHlhLXJTYVpzbzFabTdHaC1YMWdoZFRjQ2xZQ3Q5VFJxNVNOR2FoNDYtczdoSXpSWTd3NGNkTS1EdnlyV2xVT0FZZnNOSnpDT0J2UEZfSGVPb2ltZ3UyUkJacw?oc=5) · American Banker
- 2026-09-05 [Omaha BMO customers report zero balances after First Citizens sale - WOWT](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeXZTYnp4TVdHN3l3RGpJSHEwREVJWVQ0LWJZdE5DM2pLTGYyMmZROG9HbGM1QUVmU21pQjRhRVR6TjI5N2VVbko4Q01udzBFNF9fS0FUei1WbmMxZkxtR1dmdERHamJRT1V3Vk50TklpdGpxN1ptYm9PMFIwUUR4SHZ1TGczQU8wdUVOazVPQnc3QVk2dWE1RE1xSllmeV9I0gG0AUFVX3lxTE50SnlCYzNFenVPMUl2bFBHd3ZXYV9aeW1Yc1luZWdaeDh1MldGTG9qV1A4eFlmZDJJR0prZXE4Y2NKa0liRWFUVFFjM0hBVDhDYnpyTmI2ZTBHOURBYkdlTWZyeEEycUhfZVRGSkxhMEs1d3dwdUVEcVI5VkwxUWtYREl4RXRwZGtJNFpPc2dEZ2t4MTRCdHFFaXNYQ2JmMHh1SEFTTzlUYk9VcVhtVFZyeU9WbA?oc=5) · WOWT
- 2026-09-04 [BMO completes sale of 138 U.S. branches to First Citizens Bank - Toronto Star](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNazJpSW5iU0c2NG00aTkzYjZidzhrM2I5aU1vMllLY0Q2dnRXMmJfOFRxNmVPVkthb2ZCRVFQbEtzd0JXRGJURW5FTXNFdnZQY0ltWDhubllhYnZoVU94R1RQWEFqLVExUTREU2RkNDhGb2dSbkxDQldnXzlBSkFUakNydG52bVhIOXQ3enhDQlVVS09tTVZyUE9VN2ktRTVXVjVLa0ZQU3V0RHBSNDVsSENRSHRSbUdGN2o1Y0t3QmdqU2MtaVJZTUdOejRERkh2Nm01WDFQSnNETHF3?oc=5) · Toronto Star
- 2026-04-23 [First Citizens to shed SVB name - Banking Dive](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSE80aUI4RDJTUUcxVEZxT2lobmRubDd4M3U5YjBtVEhuWjBWOVRNOS11V3VqWlNZLWpUV2RmVjJTTFF0TDgtekZmaGVLb0pqU056bDhCa2E1cVJTMzIzcXFfWXVpUVBIRW93WmhITXhuZGotc1o0cGxEalBjQ2Nack1FT1F6aHM2dWpERE5nbFFkMUcwZldicTBn?oc=5) · Banking Dive
- 2026-02-20 [First Citizens Seeks New Mergers to Cross Growth Threshold - PYMNTS.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNblhobVFoZFhjZVc0VURtSURRWXQtRTc3OTRTOVMyazNkel9wenE1Q0pDVVVob09IcDVXNXl1dDJ2VHdNUkFWNXJqY1pHLTFLcnhWNHdNNjN3YVlINWY5dDZmNjJGRl90QmFaOFhBZGMwa056T3FkWTZGMHBJdEdTakRMbzhFU0FuTGxYTUotUEVsYXM3THQ4RWd2SW1Nbi1JSTNVS0hPUGtaRFhFOVE?oc=5) · PYMNTS.com
- 2025-10-16 [FIRST CITIZENS BANK CONTINUES NATIONAL EXPANSION, AGREES TO ACQUIRE SELECT BRANCHES FROM BMO BANK N.A. - PR Newswire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPUHdHdVA0cldrNU1tN2tXUUgxRmVVNHRXbmJvNkNka2JqdzMxMllMcWhpRWVub01HMTV6WnJnYUUybjRWX19CQmUtbWFIWmk2dDFDSlI4SXNTUk1KdVJzSXhVbzV1X2dLV09qME82TGtLMXFvU3BDMGFUckFwWm5FakZwc05vdnk0dk15U3EwMldteFQyVGxxSUtWVGExQm9CNEdoOEoyakZrTkJSLWNXODdiWGplZmg3N1pGNkw0NERKSU9ENFJlRXVfWmN3czE0QjBTaW1pYWxTYllWVW9TOXZNempsT2g3UURn?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4433 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "4433", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide