First Citizens Community Bank Mortgage Rates, Fees & Info

Mansfield, PA

LEI: 549300GZN0GWYE1KDB94

Tax ID: 24-0652238

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

First Citizens Community Bank is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. First Citizens Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sayre, State College, Philadelphia, Lebanon, and Lancaster among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Citizens Community Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Citizens Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.82%	4/18/24
30 Year Conventional Refi	6.45%	4/18/24
30 Year Cash-out Refi	6.50%	4/18/24
15 Year Conventional Purchase	6.53%	4/18/24
15 Year Conventional Refi	7.36%	4/18/24
15 Year Cash-out Refi	7.36%	4/18/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Citizens Community Bank Mortgage Calculator

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Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Citizens Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

805

Origination Dollar Volume (All Markets)

$148,575,000

Employee count

295

Awards

First Citizens Community Bank 30 Year Conventional Loans gold

First Citizens Community Bank 30 Year Conventional Loans bronze

First Citizens Community Bank 30 Year Conventional Loans silver

Show all (9) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Outside of Metro Areas	282	$35,910,000	$127,340	$2,275	3.84%
Sayre, PA (FHA\|USDA\|VA)	192	$25,150,000	$130,990	$2,377	3.58%
STATE COLLEGE, PA (FHA\|USDA\|VA)	73	$21,435,000	$293,630	$3,509	3.40%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	40	$12,270,000	$306,750	$3,223	3.37%
LEBANON, PA (FHA\|USDA\|VA)	60	$11,390,000	$189,833	$3,207	3.00%
LANCASTER, PA (FHA\|USDA\|VA)	24	$9,710,000	$404,583	$3,927	3.54%
Pottsville, PA (FHA\|USDA\|VA)	28	$4,380,000	$156,429	$3,057	2.71%
DOVER, DE (FHA\|USDA\|VA)	9	$4,275,000	$475,000	$3,257	3.81%
READING, PA (FHA\|USDA\|VA)	17	$3,625,000	$213,235	$3,032	3.41%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$3,405,000	$3,405,000	$12,830	5.75%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	11	$3,145,000	$285,909	$3,311	3.59%
Lock Haven, PA (FHA\|USDA\|VA)	14	$2,070,000	$147,857	$3,326	3.12%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	11	$1,865,000	$169,545	$2,740	3.22%
Lewisburg, PA (FHA\|USDA\|VA)	6	$1,240,000	$206,667	$4,894	3.87%
Sunbury, PA (FHA\|USDA\|VA)	3	$965,000	$321,667	$4,930	2.63%
BINGHAMTON, NY (FHA\|USDA\|VA)	6	$800,000	$133,333	$2,001	3.29%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$765,000	$765,000	$4,915	4.63%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	1	$685,000	$685,000	$10,893	3.75%
ELMIRA, NY (FHA\|USDA\|VA)	5	$675,000	$135,000	$2,903	3.40%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$655,000	$655,000	$0	4.50%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	4	$610,000	$152,500	$2,302	3.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	2	$600,000	$300,000	$2,768	3.06%
Corning, NY (FHA\|USDA\|VA)	5	$585,000	$117,000	$2,346	4.55%
ROCHESTER, NY (FHA\|USDA\|VA)	2	$490,000	$245,000	$2,842	2.69%
Selinsgrove, PA (FHA\|USDA\|VA)	1	$485,000	$485,000	$10,521	2.63%
Cortland, NY (FHA\|USDA\|VA)	1	$365,000	$365,000	$3,124	2.25%
Indiana, PA (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,748	2.88%
Warren, PA (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,357	2.50%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,843	2.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,878	2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	4.63%

First Citizens Community Bank's top markets include Sayre, State College, Philadelphia, Lebanon, and Lancaster among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

Delaware (FHA|USDA|VA)

New York (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against First Citizens Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Elmira Savings Bank
Similarity Rank: 84

VISIONS
Similarity Rank: 168

Kish Bank
Similarity Rank: 216

LEBANON
Similarity Rank: 405

BHCU
Similarity Rank: 625

Prudential Bank
Similarity Rank: 640

Jersey Shore State Bank
Similarity Rank: 750

Homesale Mortgage, LLC
Similarity Rank: 1125

First Citizens Community Bank
Similarity Rank: 1240

Unity Bank
Similarity Rank: 1258

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	805	$148,575,000	$184,565	$2,706	3.55%

For 2020, First Citizens Community Bank's most frequently originated type of loan was Conventional, with 805 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	275	$62,755,000	$228,200	$2,844	3.20%
Home Purchase	247	$50,055,000	$202,652	$3,619	3.68%
Cash Out Refi	205	$31,375,000	$153,049	$2,431	3.36%
Other	44	$2,620,000	$59,545	$839	4.70%
Home Improvement	34	$1,770,000	$52,059	$731	5.23%

For 2020, First Citizens Community Bank's most frequently cited loan purpose was Refi, with 275 originations. The 2nd most popular reason was Home Purchase, with 247 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
15 Year	253	$37,225,000	$147,134	$2,470	3.21%
30 Year	240	$56,260,000	$234,417	$3,298	3.12%
20 Year	111	$19,795,000	$178,333	$2,861	3.88%
10 Year	82	$13,900,000	$169,512	$798	4.67%
5 Year	47	$4,575,000	$97,340	$275	4.49%
Other	47	$10,215,000	$217,340	$2,517	4.12%
30+ year	23	$6,535,000	$284,130	$6,844	3.17%
1 Year	1	$65,000	$65,000	$0	5.00%
3 Year	1	$5,000	$5,000	$323	3.75%

For 2020, First Citizens Community Bank's most frequently cited loan duration was 15 Year, with 253 originations. The 2nd most popular length was 30 Year, with 240 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	638	$103,600,000	$162,382
$1k-2k	25	$7,215,000	$288,600
$3k-4k	11	$3,165,000	$287,727
$2k-3k	9	$1,815,000	$201,667
$4k-5k	3	$895,000	$298,333
$5k+	3	$1,585,000	$528,333

First Citizens Community Bank's average total fees were $3,298, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 638 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	204	$42,050,000	$206,127
<2.5%	200	$37,770,000	$188,850
4-5%	168	$27,900,000	$166,071
3-4%	163	$33,285,000	$204,202
5-6%	45	$6,025,000	$133,889
Over 8%	14	$670,000	$47,857
6-7%	7	$805,000	$115,000
7-8%	4	$70,000	$17,500

During 2020, First Citizens Community Bank's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 204 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	302	$44,380,000	$146,954	$2,812	3.19%
$100,000 or less	251	$13,615,000	$54,243	$1,254	4.48%
$200k-400k	204	$55,420,000	$271,667	$3,646	2.96%
$400k-600k	35	$16,895,000	$482,714	$5,085	3.28%
$600k-1MM	7	$4,985,000	$712,143	$7,904	4.20%
$1MM+	6	$13,280,000	$2,213,333	$12,830	4.42%

2020 saw First Citizens Community Bank place emphasis on $100k-200k loans with 302 originations, totaling $44,380,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	186	$34,770,000	$186,935	$2,936	3.22%
$50k-75k	155	$19,375,000	$125,000	$2,411	3.51%
$75k-100k	140	$19,940,000	$142,429	$2,629	3.77%
$50k or less	99	$7,575,000	$76,515	$1,691	4.21%
$150k-250k	96	$21,880,000	$227,917	$3,387	3.20%
$250k+	57	$21,015,000	$368,684	$4,035	3.22%

First Citizens Community Bank lent most frequently to those with incomes in the $100k-150k range, with 186 originations. The second most popular income band? $50k-75k, with 155 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	231	$37,705,000	$163,225	$2,681	3.46%
30-36%	156	$26,190,000	$167,885	$2,814	3.40%
<20%	130	$21,460,000	$165,077	$2,600	3.04%
37%	21	$3,315,000	$157,857	$2,714	3.33%
38%	20	$2,970,000	$148,500	$2,345	3.72%
43%	18	$2,560,000	$142,222	$2,197	4.06%
39%	18	$3,660,000	$203,333	$3,149	3.77%
40%	17	$2,485,000	$146,176	$2,314	4.45%
36%	17	$2,615,000	$153,824	$2,840	3.91%
41%	14	$2,960,000	$211,429	$3,484	3.33%
44%	12	$2,110,000	$175,833	$2,234	3.66%
42%	9	$5,195,000	$577,222	$4,045	3.12%
48%	2	$330,000	$165,000	$3,147	4.99%
47%	2	$440,000	$220,000	$5,879	5.06%
45%	2	$370,000	$185,000	$2,721	3.00%
50-60%	2	$40,000	$20,000	$327	3.87%
46%	1	$565,000	$565,000	$5,115	4.25%
49%	1	$105,000	$105,000	$2,974	4.75%
>60%	1	$185,000	$185,000	$4,775	4.25%

First Citizens Community Bank lent most frequently to those with DTI ratios of 20-30%, with 231 originations. The next most common DTI ratio? 30-36%, with 156 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	745	$123,245,000	$165,430	$2,684	3.50%
Not applicable	52	$20,610,000	$396,346	$6,695	4.34%
Black	2	$3,750,000	$1,875,000	$7,998	4.19%
Asian	4	$740,000	$185,000	$3,507	2.97%
Not provided	1	$185,000	$185,000	$2,618	3.13%
Other Asian	1	$45,000	$45,000	$298	4.99%

Approval Rates

Total approvals of all applications
91.68%

First Citizens Community Bank has an average approval rate.

Pick Rate

Approvals leading to origination
89.19%

First Citizens Community Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
56.51	1	$45,000	$45,000
61.51	3	$45,000	$15,000
66.11	1	$55,000	$55,000
NA	800	$148,430,000	$185,538

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	3	$1,435,000	$478,333
Multifamily:Site-Built	19	$14,765,000	$777,105
Single Family (1-4 Units):Manufactured	29	$1,935,000	$66,724
Single Family (1-4 Units):Site-Built	754	$130,440,000	$172,997

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	83	$7,975,000	$96,084	$1,341	4.48%
40-60%	143	$24,085,000	$168,427	$2,424	3.47%
60-80%	339	$72,365,000	$213,466	$2,982	3.30%
80-100%	196	$40,810,000	$208,214	$3,480	3.35%
Over 100%	4	$2,280,000	$570,000	$2,192	4.53%
Under 20%	40	$1,060,000	$26,500	$276	4.96%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
FIRST CITIZENS BANCSHARES, INC.	Home equity loan or line of credit (HELOC)	Trouble during payment process	2	11.8%
FIRST CITIZENS BANCSHARES, INC.	Other type of mortgage	Trouble during payment process	1	5.9%
FIRST CITIZENS BANCSHARES, INC.	Other type of mortgage	Closing on a mortgage	1	5.9%
FIRST CITIZENS BANCSHARES, INC.	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	1	5.9%
FIRST CITIZENS BANCSHARES, INC.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	4	23.5%
FIRST CITIZENS BANCSHARES, INC.	Conventional home mortgage	Closing on a mortgage	1	5.9%
FIRST CITIZENS BANCSHARES, INC.	Conventional home mortgage	Struggling to pay mortgage	2	11.8%
FIRST CITIZENS BANCSHARES, INC.	Conventional home mortgage	Trouble during payment process	4	23.5%
FIRST CITIZENS BANCSHARES, INC.	FHA mortgage	Struggling to pay mortgage	1	5.9%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
First Citizens Community Bank	45 West Main Street Schuylkill Haven, PA 17972	Full Service B&M	$14,463
First Citizens Community Bank	1 Pearl Street Wellsboro, PA 16901	Full Service B&M	$122,271
First Citizens Community Bank	10 South Main Street Wellsville, NY 14895	Full Service B&M	$40,925
First Citizens Community Bank	1015 Dry Tavern Road Suite A Denver, PA 17517	Full Service B&M	$9,895
First Citizens Community Bank	111-113 Main Street Towanda, PA 18848	Full Service B&M	$58,397
First Citizens Community Bank	1133 West Main Street Troy, PA 16947	Full Service B&M	$67,328
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	$69,985
First Citizens Community Bank	15 S Main St Mansfield, PA 16933	Full Service B&M	$192,413
First Citizens Community Bank	1549 Route 443 Friedensburg, PA 17933	Full Service B&M	$30,174
First Citizens Community Bank	1690 N. 7th Street, Lebanon, PA 17046	Full Service B&M	$51,511
First Citizens Community Bank	1778 Elmira Street Sayre, PA 18840	Full Service B&M	$22,252
First Citizens Community Bank	2 Wal-Mart Plaza Mansfield, PA 16933	Full Service Retail	$8,232
First Citizens Community Bank	2901 Concord Pike Wilmington, DE 19803	Full Service B&M	$25,690
First Citizens Community Bank	300 Main Street Blossburg, PA 16912	Full Service B&M	$58,511
First Citizens Community Bank	3016 South Pine Grove Street Fredericksburg, PA 17026	Full Service B&M	$75,558
First Citizens Community Bank	306 West Lockhart Street Sayre, PA 18840	Full Service B&M	$70,098
First Citizens Community Bank	33178 Route 14 Gillett, PA 16925	Full Service B&M	$12,740
First Citizens Community Bank	39 King Arthur Drive Mill Hall, PA 17751	Full Service B&M	$19,353
First Citizens Community Bank	391 Main Street Genesee, PA 16923	Full Service B&M	$35,792
First Citizens Community Bank	450 Isabel Drive Lebanon, PA 17042	Full Service B&M	$58,382
First Citizens Community Bank	4900 Kirkwood Highway Wilmington, DE 19808	Full Service B&M	$137,958
First Citizens Community Bank	502 Main Street Ulysses, PA 16948	Full Service B&M	$47,777
First Citizens Community Bank	53 West Main Street Canton, PA 17724	Full Service B&M	$115,292
First Citizens Community Bank	584 North Dupont Highway Dover, DE 19901	Full Service B&M	$30,327
First Citizens Community Bank	720 East Main Street Mount Joy, PA 17552	Full Service B&M	$23,505
First Citizens Community Bank	7352 Route 328 Millerton, PA 16936	Full Service B&M	$17,972
First Citizens Community Bank	7635 Lancaster Avenue Mount Aetna, PA 19544	Full Service B&M	$56,467
First Citizens Community Bank	847 Main Street Rome, PA 18837	Full Service B&M	$10,443
First Citizens Community Bank	960 Main Street Le Raysville, PA 18829	Full Service B&M	$36,977

For 2020, First Citizens Community Bank had 30 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$70,320
Net interest income	$62,503
Total noninterest income	$11,507
Gross Fiduciary activities income	$803
Service charges on deposit accounts	$1,863
Trading account gains and fees	$0
Additional Noninterest Income	$8,841
Pre-tax net operating income	$30,997
Securities gains (or losses, -)	$287
Income before extraordinary items	$25,856
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$25,856
Minority interest net income	$0
Net income	$25,856
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$25,617

First Citizens Community Bank's gross interest income from loans was $70,320,000.
First Citizens Community Bank's net interest income from loans was $62,503,000.
First Citizens Community Bank's fee based income from loans was $1,863,000.
First Citizens Community Bank's net income from loans was $25,856,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$7,817
Provision for credit losses	$2,400
Total noninterest expense	$40,613
Salaries and employee benefits	$25,315
Premises and equipment expense	$3,344
Additional noninterest expense	$11,954
Applicable income taxes	$5,428
Net charge-offs	$430
Cash dividends	$16,171

First Citizens Community Bank's interest expense for loans was $7,817,000.
First Citizens Community Bank's payroll and benefits expense were $25,315,000.
First Citizens Community Bank's property, plant and equipment expenses $3,344,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	1.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,595,376
Deposits held in domestic offices	$1,595,376
Deposits by Individuals, partnerships, and corporations	$1,340,137
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$255,220
Deposits by Commercial banks and other depository institutions in U.S.	$19
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$181,121
Demand deposits	$76,648
Nontransaction accounts	$1,414,255
Money market deposit accounts (MMDAs)	$225,968
Other savings deposits (excluding MMDAs)	$807,094
Total time deposits	$381,193
Total time and savings deposits	$1,518,728
Noninterest-bearing deposits	$310,280
Interest-bearing deposits	$1,285,096
Retail deposits	$1,497,918
IRAs and Keogh plan accounts	$59,703
Brokered deposits	$23,839
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,889,015
Cash & Balances due from depository institutions	$81,965
Interest-bearing balances	$65,479
Total securities	$295,254
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,404,106
Loan and leases loss allowance	$15,815
Trading account assets	$0
Bank premises and fixed assets	$19,234
Other real estate owned	$1,836
Goodwill and other intangibles	$33,043
All other assets	$53,577

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,889,015
Total Liabilities	$1,694,703
Total deposits	$1,595,376
Interest-bearing deposits	$1,285,096
Deposits held in domestic offices	$1,595,376
% insured (estimated)	$66
Federal funds purchased and repurchase agreements	$14,813
Trading liabilities	$0
Other borrowed funds	$66,525
Subordinated debt	$0
All other liabilities	$17,989

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,404,106
Loan and leases loss allowance	$15,815
Total loans and leases (domestic)	$1,419,921
All real estate loans	$1,180,733
Real estate loans in domestic offices	$1,180,733
Construction and development loans	$35,404
Residential 1-4 family construction	$4,224
Other construction, all land development and other land	$31,180
Loans secured by nonfarm nonresidential properties	$403,261
Nonfarm nonresidential secured by owner-occupied properties	$184,891
Commercial real estate & other non-farm, non-residential	$218,370
Multifamily residential real estate	$58,609
1-4 family residential loans	$359,506
Farmland loans	$323,953
Loans held in foreign offices	$0
Farm loans	$48,496
Commercial and industrial loans	$96,377
To non-U.S. addressees	$0
Loans to individuals	$30,580
Credit card loans	$0
Related Plans	$1,960
Consumer Auto Loans	$108
Other loans to individuals	$28,512
All other loans & leases	$63,735
Loans to foreign governments and official institutions	$0
Other loans	$5,400
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$4,360
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$5,284
Non 1-4 family restructured loans & leases	$4,572
Total loans and leases (foreign)	$0

First Citizens Community Bank had $1,404,106,000 of loans outstanding in 2020. $1,180,733,000 of loans were in real estate loans. $35,404,000 of loans were in development loans. $58,609,000 of loans were in multifamily mortgage loans. $359,506,000 of loans were in 1-4 family mortgage loans. $48,496,000 of loans were in farm loans. $0 of loans were in credit card loans. $108,000 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	757	$145,029	$191,584
Nonfarm, nonresidential loans - <$100k	233	$8,831	$37,901
Nonfarm, nonresidential loans - $100-250k	247	$29,184	$118,154
Nonfarm, nonresidential loans - $250k-1MM	277	$107,014	$386,332
Commercial & Industrial, US addressed loans - <$1MM	995	$74,439	$74,813
Commercial & Industrial, US addressed loans - <$100k	728	$19,315	$26,532
Commercial & Industrial, US addressed loans - $100-250k	175	$19,519	$111,537
Commercial & Industrial, US addressed loans - $250k-1MM	92	$35,605	$387,011
Farmland loans - <$1MM	653	$94,160	$144,196
Farmland loans - <$100k	251	$9,298	$37,044
Farmland loans - $100-250k	195	$26,043	$133,554
Farmland loans - $250k-1MM	207	$58,819	$284,150
Agriculture operations loans - <$1MM	463	$25,240	$54,514
Agriculture operations loans - <$100k	343	$10,386	$30,280
Agriculture operations loans - $100-250k	95	$9,524	$100,253
Agriculture operations loans - $250k-1MM	25	$5,330	$213,200