First Citizens Community Bank Mortgage Rates, Fees & Info
Mansfield, PA
LEI: 549300GZN0GWYE1KDB94
Tax ID: 24-0652238
5 stars
-
out of 5 stars, based on 26 reviews
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Mortgage Data
Bank Data
Overview
First Citizens Community Bank is a
smaller
bank
specializing in
Home Purchase and Refi loans.
First Citizens Community Bank has a high proportion of conventional loans.
Their top markets include Philadelphia, Sayre, State College, Salisbury, and Lebanon among others. First Citizens Community Bank has
an average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
First Citizens Community Bank is typically
a low fee
lendor.
Originations
658
Origination Dollar Volume (All Markets)
$156,470,000
Employee count
293
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First Citizens Community Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
First Citizens Community Bank's average 30 year fixed rate mortgage of loans were
3.3%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.15%.
Relative Fees
First Citizens Community Bank's average total fees for a 30 year fixed rate
mortgage are $3,253.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA)
|
55
|
$45,985,000 |
$836,091 |
$4,004 |
3.70% |
|
Outside of Metro Areas
|
221 |
$27,415,000 |
$124,050 |
$2,339 |
3.95% |
|
Sayre, PA (FHA|USDA|VA)
|
137
|
$21,175,000 |
$154,562 |
$3,094 |
3.50% |
|
STATE COLLEGE, PA (FHA|USDA|VA)
|
44
|
$12,180,000 |
$276,818 |
$3,322 |
3.05% |
|
SALISBURY, MD-DE (FHA|USDA|VA)
|
8
|
$11,250,000 |
$1,406,250 |
$14,744 |
3.84% |
|
LEBANON, PA (FHA|USDA|VA)
|
47
|
$8,435,000 |
$179,468 |
$3,098 |
3.07% |
|
Pottsville, PA (FHA|USDA|VA)
|
41
|
$6,265,000 |
$152,805 |
$3,021 |
2.92% |
|
DOVER, DE (FHA|USDA|VA)
|
9
|
$4,545,000 |
$505,000 |
$2,269 |
3.51% |
|
LANCASTER, PA (FHA|USDA|VA)
|
18
|
$4,520,000 |
$251,111 |
$2,785 |
3.32% |
|
READING, PA (FHA|USDA|VA)
|
19
|
$3,695,000 |
$194,474 |
$3,487 |
2.85% |
|
HARRISBURG-CARLISLE, PA (FHA|USDA|VA)
|
9
|
$2,355,000 |
$261,667 |
$5,356 |
3.61% |
|
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA)
|
6
|
$1,240,000 |
$206,667 |
$4,218 |
3.10% |
|
Lock Haven, PA (FHA|USDA|VA)
|
7
|
$1,085,000 |
$155,000 |
$4,115 |
3.23% |
|
WILLIAMSPORT, PA (FHA|USDA|VA)
|
5
|
$1,055,000 |
$211,000 |
$2,678 |
3.42% |
|
BINGHAMTON, NY (FHA|USDA|VA)
|
6
|
$980,000 |
$163,333 |
$3,487 |
3.29% |
|
ROCHESTER, NY (FHA|USDA|VA)
|
2
|
$730,000 |
$365,000 |
$3,233 |
3.44% |
|
ELMIRA, NY (FHA|USDA|VA)
|
5
|
$595,000 |
$119,000 |
$2,257 |
3.73% |
|
Lewisburg, PA (FHA|USDA|VA)
|
3
|
$525,000 |
$175,000 |
$3,734 |
3.17% |
|
Sunbury, PA (FHA|USDA|VA)
|
2
|
$510,000 |
$255,000 |
$5,350 |
3.38% |
|
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA)
|
4
|
$450,000 |
$112,500 |
$4,344 |
3.66% |
|
Somerset, PA (FHA|USDA|VA)
|
2
|
$300,000 |
$150,000 |
$3,877 |
3.63% |
|
YORK-HANOVER, PA (FHA|USDA|VA)
|
3
|
$295,000 |
$98,333 |
$0 |
3.25% |
|
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA)
|
1
|
$285,000 |
$285,000 |
$3,980 |
3.00% |
|
ALTOONA, PA (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$0 |
4.38% |
|
ITHACA, NY (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$3,227 |
3.00% |
|
PITTSBURGH, PA (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$2,739 |
2.13% |
|
Bradford, PA (FHA|USDA|VA)
|
1
|
$85,000 |
$85,000 |
$3,258 |
2.25% |
First Citizens Community Bank's top markets include Philadelphia, Sayre, State College, Salisbury, and Lebanon among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
658 |
$156,470,000 |
$237,796 |
$2,982 |
3.54% |
For the 2021 period, First Citizens Community Bank's most frequently
originated loan type
of loans were Conventional, with 658 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
308 |
$93,900,000 |
$304,870 |
$4,158 |
3.71% |
| Refi |
158 |
$38,470,000 |
$243,481 |
$2,799 |
3.02% |
| Cash Out Refi |
128 |
$18,080,000 |
$141,250 |
$2,360 |
3.36% |
| Home Improvement |
33 |
$3,935,000 |
$119,242 |
$1,258 |
4.40% |
| Other |
31 |
$2,085,000 |
$67,258 |
$869 |
4.35% |
For the 2021, First Citizens Community Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 308
originations.
The 2nd most popular reason of loans were Refi,
with 158 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
202 |
$41,300,000 |
$204,455 |
$3,253 |
3.30% |
| 15 Year |
164 |
$21,910,000 |
$133,598 |
$2,501 |
2.99% |
| 20 Year |
97 |
$18,495,000 |
$190,670 |
$2,867 |
3.76% |
| 10 Year |
67 |
$10,985,000 |
$163,955 |
$1,018 |
4.55% |
| 5 Year |
50 |
$36,610,000 |
$732,200 |
$256 |
4.10% |
| Other |
38 |
$6,440,000 |
$169,474 |
$2,482 |
4.09% |
| 30+ year |
32 |
$12,480,000 |
$390,000 |
$8,559 |
3.42% |
| 3 Year |
5 |
$7,505,000 |
$1,501,000 |
$294 |
4.20% |
| 1 Year |
3 |
$745,000 |
$248,333 |
$0 |
4.25% |
For the 2021, First Citizens Community Bank's most frequently cited loan
length
of loans were 30 Year, with 202 originations.
The 2nd most popular length of loans were 15 Year,
with 164 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
433 |
$66,855,000 |
$154,400 |
| $1k-2k |
25 |
$5,295,000 |
$211,800 |
| $3k-4k |
14 |
$4,300,000 |
$307,143 |
| $2k-3k |
12 |
$2,210,000 |
$184,167 |
| $5k+ |
6 |
$5,740,000 |
$956,667 |
$3,253 of loans were First Citizens Community Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 433 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 3-4% |
213 |
$73,015,000 |
$342,793 |
| 2.5-3% |
147 |
$27,245,000 |
$185,340 |
| 4-5% |
147 |
$35,345,000 |
$240,442 |
| <2.5% |
115 |
$18,585,000 |
$161,609 |
| 5-6% |
20 |
$1,420,000 |
$71,000 |
| Over 8% |
9 |
$325,000 |
$36,111 |
| 6-7% |
5 |
$305,000 |
$61,000 |
| 7-8% |
2 |
$230,000 |
$115,000 |
During 2021, First Citizens Community Bank's average interest
rate of loans were 3.30%, while their
most frequently originated rate bucket of loans were 3-4%,
with 213 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
235 |
$34,335,000 |
$146,106 |
$2,986 |
3.26% |
| $100,000 or less |
205 |
$11,595,000 |
$56,561 |
$1,425 |
4.10% |
| $200k-400k |
165 |
$43,585,000 |
$264,152 |
$3,867 |
3.20% |
| $400k-600k |
27 |
$13,475,000 |
$499,074 |
$5,446 |
3.43% |
| $1MM+ |
14 |
$43,880,000 |
$3,134,286 |
$22,570 |
4.00% |
| $600k-1MM |
12 |
$9,600,000 |
$800,000 |
$12,453 |
3.89% |
2021 saw First Citizens Community Bank place emphasis on
$100k-200k loans
with 235 originations, totaling
$34,335,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-150k |
124 |
$22,260,000 |
$179,516 |
$3,204 |
3.24% |
| $50k-75k |
116 |
$14,560,000 |
$125,517 |
$2,657 |
3.44% |
| $75k-100k |
109 |
$16,805,000 |
$154,174 |
$3,027 |
3.47% |
| $50k or less |
95 |
$7,285,000 |
$76,684 |
$1,855 |
3.87% |
| $150k-250k |
59 |
$14,345,000 |
$243,136 |
$3,895 |
3.34% |
| $250k+ |
48 |
$18,090,000 |
$376,875 |
$5,745 |
3.41% |
First Citizens Community Bank lent most frequently to those with incomes in the
$100k-150k range, with
124 originations.
The second most popular income band? $50k-75k,
with 116 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
163 |
$26,965,000 |
$165,429 |
$3,036 |
3.19% |
| 30-36% |
113 |
$17,355,000 |
$153,584 |
$2,694 |
3.45% |
| <20% |
74 |
$12,230,000 |
$165,270 |
$2,613 |
3.11% |
| 42% |
20 |
$2,930,000 |
$146,500 |
$2,846 |
3.65% |
| 36% |
19 |
$1,955,000 |
$102,895 |
$1,753 |
4.01% |
| 38% |
17 |
$2,805,000 |
$165,000 |
$2,737 |
3.37% |
| 39% |
17 |
$2,405,000 |
$141,471 |
$3,039 |
3.22% |
| 40% |
17 |
$2,525,000 |
$148,529 |
$3,445 |
4.06% |
| 41% |
16 |
$2,420,000 |
$151,250 |
$2,990 |
3.77% |
| 37% |
14 |
$2,050,000 |
$146,429 |
$3,194 |
3.94% |
| 50-60% |
7 |
$2,545,000 |
$363,571 |
$2,774 |
4.55% |
| 43% |
7 |
$1,275,000 |
$182,143 |
$2,826 |
3.59% |
| 45% |
5 |
$625,000 |
$125,000 |
$3,053 |
3.95% |
| 44% |
4 |
$760,000 |
$190,000 |
$4,701 |
3.59% |
| >60% |
3 |
$3,085,000 |
$1,028,333 |
$20,089 |
4.41% |
| 47% |
2 |
$430,000 |
$215,000 |
$5,057 |
4.56% |
| 48% |
2 |
$510,000 |
$255,000 |
$3,641 |
3.87% |
| 49% |
2 |
$1,050,000 |
$525,000 |
$12,229 |
4.19% |
| 46% |
1 |
$125,000 |
$125,000 |
$2,834 |
3.25% |
First Citizens Community Bank lent most frequently to those with DTI ratios
of 20-30%, with
163 originations.
The next most common DTI ratio? 30-36%,
with 113 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
566 |
$95,760,000 |
$169,187 |
$2,995 |
3.46% |
| Not applicable |
81 |
$57,445,000 |
$709,198 |
$0 |
4.10% |
| Asian |
5 |
$2,405,000 |
$481,000 |
$2,815 |
3.53% |
| Black |
5 |
$835,000 |
$167,000 |
$2,210 |
3.30% |
| American Indian |
1 |
$25,000 |
$25,000 |
$307 |
2.99% |
Approval Rates
Total approvals of all applications
89.38%
First Citizens Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination
85.20%
First Citizens Community Bank has an average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| 436.51 |
1 |
$15,000 |
$15,000 |
| 466.11 |
2 |
$70,000 |
$35,000 |
| 61.11 |
1 |
$35,000 |
$35,000 |
| 61.51 |
3 |
$75,000 |
$25,000 |
| 66.11 |
3 |
$165,000 |
$55,000 |
| NA |
648 |
$156,110,000 |
$240,910 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
658 |
$156,470,000 |
$237,796 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
61 |
$7,505,000 |
$123,033 |
$1,880 |
3.91% |
| 40-60% |
121 |
$38,855,000 |
$321,116 |
$2,754 |
3.33% |
| 60-80% |
300 |
$79,660,000 |
$265,533 |
$3,462 |
3.52% |
| 80-100% |
138 |
$26,930,000 |
$195,145 |
$3,554 |
3.40% |
| Over 100% |
2 |
$1,310,000 |
$655,000 |
$0 |
4.18% |
| Under 20% |
36 |
$2,210,000 |
$61,389 |
$555 |
4.28% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| FIRST CITIZENS BANCSHARES, INC. |
Home equity loan or line of credit (HELOC) |
Applying for a mortgage or refinancing an existing mortgage |
1 |
7.1% |
| FIRST CITIZENS BANCSHARES, INC. |
Conventional home mortgage |
Struggling to pay mortgage |
1 |
7.1% |
| FIRST CITIZENS BANCSHARES, INC. |
Conventional home mortgage |
Trouble during payment process |
1 |
7.1% |
| FIRST CITIZENS BANCSHARES, INC. |
FHA mortgage |
Closing on a mortgage |
1 |
7.1% |
| FIRST CITIZENS BANCSHARES, INC. |
FHA mortgage |
Struggling to pay mortgage |
1 |
7.1% |
| FIRST CITIZENS BANCSHARES, INC. |
Other type of mortgage |
Struggling to pay mortgage |
1 |
7.1% |
| FIRST CITIZENS BANCSHARES, INC. |
Home equity loan or line of credit (HELOC) |
Trouble during payment process |
2 |
14.3% |
| FIRST CITIZENS BANCSHARES, INC. |
Conventional home mortgage |
Applying for a mortgage or refinancing an existing mortgage |
3 |
21.4% |
| FIRST CITIZENS BANCSHARES, INC. |
Conventional home mortgage |
Closing on a mortgage |
2 |
14.3% |
| FIRST CITIZENS BANCSHARES, INC. |
Conventional home mortgage |
Incorrect information on your report |
1 |
7.1% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| First Citizens Community Bank |
2 Wal-Mart Plaza Mansfield, PA 16933 |
Full Service Retail
|
$8,947 |
| First Citizens Community Bank |
1 Pearl Street Wellsboro, PA 16901 |
Full Service B&M
|
$139,442 |
| First Citizens Community Bank |
10 South Main Street Wellsville, NY 14895 |
Full Service B&M
|
$44,415 |
| First Citizens Community Bank |
1015 Dry Tavern Road Suite A Denver, PA 17517 |
Full Service B&M
|
$20,233 |
| First Citizens Community Bank |
111-113 Main Street Towanda, PA 18848 |
Full Service B&M
|
$68,087 |
| First Citizens Community Bank |
1133 West Main Street Troy, PA 16947 |
Full Service B&M
|
$72,080 |
| First Citizens Community Bank |
1157 Westbranch Hwy, 1st Floor Winfield, PA 17889 |
Full Service B&M
|
$0 |
| First Citizens Community Bank |
141 West Beaver Avenue State College, PA 16801 |
Full Service B&M
|
$61,944 |
| First Citizens Community Bank |
15 S Main St Mansfield, PA 16933 |
Full Service B&M
|
$196,589 |
| First Citizens Community Bank |
1549 Route 443 Friedensburg, PA 17933 |
Full Service B&M
|
$36,604 |
| First Citizens Community Bank |
1690 N. 7th Street, Lebanon, PA 17046 |
Full Service B&M
|
$66,095 |
| First Citizens Community Bank |
1778 Elmira Street Sayre, PA 18840 |
Full Service B&M
|
$25,073 |
| First Citizens Community Bank |
584 North Dupont Highway Dover, DE 19901 |
Full Service B&M
|
$34,405 |
| First Citizens Community Bank |
720 East Main Street Mount Joy, PA 17552 |
Full Service B&M
|
$29,050 |
| First Citizens Community Bank |
7352 Route 328 Millerton, PA 16936 |
Full Service B&M
|
$20,679 |
| First Citizens Community Bank |
741 West Cypress Street Kennett Square, PA 19348 |
Full Service B&M
|
$8,308 |
| First Citizens Community Bank |
7635 Lancaster Avenue Mount Aetna, PA 19544 |
Full Service B&M
|
$71,646 |
| First Citizens Community Bank |
847 Main Street Rome, PA 18837 |
Full Service B&M
|
$11,559 |
| First Citizens Community Bank |
960 Main Street Le Raysville, PA 18829 |
Full Service B&M
|
$39,728 |
| First Citizens Community Bank |
2901 Concord Pike Wilmington, DE 19803 |
Full Service B&M
|
$37,565 |
| First Citizens Community Bank |
300 Main Street Blossburg, PA 16912 |
Full Service B&M
|
$63,406 |
| First Citizens Community Bank |
3016 South Pine Grove Street Fredericksburg, PA 17026 |
Full Service B&M
|
$89,240 |
| First Citizens Community Bank |
306 West Lockhart Street Sayre, PA 18840 |
Full Service B&M
|
$73,666 |
| First Citizens Community Bank |
33178 Route 14 Gillett, PA 16925 |
Full Service B&M
|
$14,607 |
| First Citizens Community Bank |
39 King Arthur Drive Mill Hall, PA 17751 |
Full Service B&M
|
$22,560 |
| First Citizens Community Bank |
391 Main Street Genesee, PA 16923 |
Full Service B&M
|
$37,572 |
| First Citizens Community Bank |
45 West Main Street Schuylkill Haven, PA 17972 |
Full Service B&M
|
$19,045 |
| First Citizens Community Bank |
450 Isabel Drive Lebanon, PA 17042 |
Full Service B&M
|
$67,708 |
| First Citizens Community Bank |
4900 Kirkwood Highway Wilmington, DE 19808 |
Full Service B&M
|
$139,860 |
| First Citizens Community Bank |
502 Main Street Ulysses, PA 16948 |
Full Service B&M
|
$54,199 |
| First Citizens Community Bank |
53 West Main Street Canton, PA 17724 |
Full Service B&M
|
$125,499 |
For 2021, First Citizens Community Bank had 31 branches.
Yearly Performance Overview
Bank Income
First Citizens Community Bank's gross interest income from loans was $73,178,000.
First Citizens Community Bank's net interest income from loans was $66,637,000.
First Citizens Community Bank's fee based income from loans was $1,910,000.
First Citizens Community Bank's net income from loans was $29,738,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$6,541 |
| Provision for credit losses |
$1,550 |
| Total noninterest expense |
$41,193 |
| Salaries and employee benefits |
$25,902 |
| Premises and equipment expense |
$3,486 |
| Additional noninterest expense |
$11,805 |
| Applicable income taxes |
$6,371 |
| Net charge-offs |
$61 |
| Cash dividends |
$8,994 |
First Citizens Community Bank's interest expense for loans was $6,541,000.
First Citizens Community Bank's payroll and benefits expense were $25,902,000.
First Citizens Community Bank's property, plant and equipment expenses $3,486,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$1,852,511 |
| Deposits held in domestic offices |
$1,852,511 |
| Deposits by Individuals, partnerships, and corporations |
$1,516,036 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$335,233 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$1,242 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$211,396 |
| Demand deposits |
$137,404 |
| Nontransaction accounts |
$1,641,115 |
| Money market deposit accounts (MMDAs) |
$350,122 |
| Other savings deposits (excluding MMDAs) |
$961,376 |
| Total time deposits |
$329,617 |
| Total time and savings deposits |
$1,715,107 |
| Noninterest-bearing deposits |
$373,188 |
| Interest-bearing deposits |
$1,479,323 |
| Retail deposits |
$1,759,119 |
| IRAs and Keogh plan accounts |
$55,703 |
| Brokered deposits |
$15,282 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$2,140,937 |
| Cash & Balances due from depository institutions |
$183,484 |
| Interest-bearing balances |
$169,760 |
| Total securities |
$412,522 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$1,428,783 |
| Loan and leases loss allowance |
$17,304 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$20,280 |
| Other real estate owned |
$1,180 |
| Goodwill and other intangibles |
$33,003 |
| All other assets |
$61,685 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$2,140,937 |
| Total Liabilities |
$1,928,880 |
| Total deposits |
$1,852,511 |
| Interest-bearing deposits |
$1,479,323 |
| Deposits held in domestic offices |
$1,852,511 |
| % insured (estimated) |
$60 |
| Federal funds purchased and repurchase agreements |
$16,872 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$39,725 |
| Subordinated debt |
$0 |
| All other liabilities |
$19,772 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$1,428,783 |
| Loan and leases loss allowance |
$17,304 |
| Total loans and leases (domestic) |
$1,446,087 |
| All real estate loans |
$1,254,105 |
| Real estate loans in domestic offices |
$1,254,105 |
| Construction and development loans |
$55,036 |
| Residential 1-4 family construction |
$6,535 |
| Other construction, all land development and other land |
$48,501 |
| Loans secured by nonfarm nonresidential properties |
$456,584 |
| Nonfarm nonresidential secured by owner-occupied properties |
$171,363 |
| Commercial real estate & other non-farm, non-residential |
$285,221 |
| Multifamily residential real estate |
$73,215 |
| 1-4 family residential loans |
$356,559 |
| Farmland loans |
$312,711 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$44,407 |
| Commercial and industrial loans |
$70,160 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$26,688 |
| Credit card loans |
$0 |
| Related Plans |
$1,960 |
| Consumer Auto Loans |
$25 |
| Other loans to individuals |
$24,703 |
| All other loans & leases |
$50,727 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$3,365 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$2,747 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$9,351 |
| Non 1-4 family restructured loans & leases |
$8,772 |
| Total loans and leases (foreign) |
$0 |
First Citizens Community Bank had $1,428,783,000 of loans outstanding in 2021. $1,254,105,000 of loans were in real estate loans.
$55,036,000 of loans were in development loans. $73,215,000 of loans were in multifamily mortgage loans.
$356,559,000 of loans were in 1-4 family mortgage loans. $44,407,000 of loans were in farm loans. $0
of loans were in credit card loans. $25,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
698 |
$140,674 |
$201,539 |
| Nonfarm, nonresidential loans - <$100k |
202 |
$7,605 |
$37,649 |
| Nonfarm, nonresidential loans - $100-250k |
222 |
$25,837 |
$116,383 |
| Nonfarm, nonresidential loans - $250k-1MM |
274 |
$107,232 |
$391,358 |
| Commercial & Industrial, US addressed loans - <$1MM |
561 |
$44,933 |
$80,094 |
| Commercial & Industrial, US addressed loans - <$100k |
385 |
$9,278 |
$24,099 |
| Commercial & Industrial, US addressed loans - $100-250k |
106 |
$10,570 |
$99,717 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
70 |
$25,085 |
$358,357 |
| Farmland loans - <$1MM |
619 |
$89,606 |
$144,759 |
| Farmland loans - <$100k |
236 |
$9,044 |
$38,322 |
| Farmland loans - $100-250k |
180 |
$23,535 |
$130,750 |
| Farmland loans - $250k-1MM |
203 |
$57,027 |
$280,921 |
| Agriculture operations loans - <$1MM |
403 |
$20,512 |
$50,898 |
| Agriculture operations loans - <$100k |
303 |
$8,288 |
$27,353 |
| Agriculture operations loans - $100-250k |
76 |
$7,441 |
$97,908 |
| Agriculture operations loans - $250k-1MM |
24 |
$4,783 |
$199,292 |
