First Citizens Community Bank

Mansfield, Pennsylvania, Tioga County

$3.2B in total assets, the 414th largest of 4,309 US banks and 17th of 113 headquartered in Pennsylvania.

At a glance

Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$3.2B	78%	$2.2B
Loans	$2.4B	78%	$1.6B
Deposits	$2.4B	64%	$1.8B
Return on assets	1.43%	78%	1.16%
Net interest margin	3.74%	50%	3.72%
Efficiency ratio	53.2%	25%	59.5%
Equity to assets	11.35%	78%	10.31%
Loans to deposits	100%	86%	89%

Total assets grew 9.8% a year over the last 5 years and 10.5% a year over 10 years, including 2 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Jun 2023	Huntingdon Valley Bank Huntingdon Valley, PA	$627M
Apr 2020	MidCoast Community Bank Wilmington, DE	$270M
Dec 2015	The First National Bank of Fredericksburg Fredericksburg, PA	$227M
Dec 1991	Star Savings and Loan Association Sayre, PA, an affiliate under the same holding company	$47M
Jan 1971	Grange National Bank of Potter County Ulysses, PA	n/a
Mar 1970	The Citizens National Bank and Trust Company Blossburg, PA	n/a

44 branches in 20 counties.

County	Deposits	Market share	Rank
Tioga County, PA	$510M	42.3%	1 of 3
Bradford County, PA	$492M	30.1%	2 of 6
Lebanon County, PA	$308M	9.6%	4 of 12
Montgomery County, PA	$245M	0.6%	18 of 29
Bucks County, PA	$144M	0.5%	25 of 28
New Castle County, DE	$130M	0.0%	18 of 27

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 19 branches since 2016 (25 to 44, +76.0%). 12 opened, 12 acquired, 5 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				25
2016	Opened Mount Joy and WinfieldClosed Wellsboro	2	1	+1	26
2017	Opened Narvon	1	0	+1	27
2018	Opened Denver and State CollegeClosed Narvon	2	1	+1	28
2020	Acquired MidCoast Community BankOpened Kennett Square, closed Lebanon	4	1	+3	31
2022	Opened Ephrata and Greenville	2	0	+2	33
2023	Acquired Huntingdon Valley BankOpened Williamsport	10	0	+10	43
2024	Opened Georgetown	1	0	+1	44
2025	Opened DoverClosed Dover and Philadelphia	1	2	−1	43
2026 through Q2	Opened Philadelphia	1	0	+1	44

Type	This bank	Peers
Commercial real estate	34%	32%
1-4 family residential	22%	35%
Farmland	15%	3%
Multifamily	11%	7%
Business (C&I)	6%	10%
Construction and land	4%	6%
Consumer	2%	3%
Agricultural	1%	0%
Other	5%	3%

Type	This bank	Peers
Other interest-bearing	61%	54%
Time deposits	22%	27%
Noninterest-bearing	17%	20%

Brokered deposits are 2.4% of deposits (peers 2.7%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-citizens-community-bank-mansfield-pa