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

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Philadelphia, Sayre, State College, Salisbury, and Lebanon among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Citizens Community Bank has an 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.

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    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






    Your Estimates

    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

    658

    Origination Dollar Volume (All Markets)

    $156,470,000

    Employee count

    293 Show all (6) 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
    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.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • New York (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.

    VISIONS
    Similarity Rank: 130
    Reliance Savings Bank
    Similarity Rank: 304
    Louviers Federal Credit Union
    Similarity Rank: 410
    Riverview Bank
    Similarity Rank: 420
    BHCU
    Similarity Rank: 504
    Homesale Mortgage, LLC
    Similarity Rank: 650
    LEBANON
    Similarity Rank: 720
    Kish Bank
    Similarity Rank: 756
    Columbia Bank
    Similarity Rank: 1105
    Jersey Shore State Bank
    Similarity Rank: 1131

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 658 $156,470,000 $237,796 $2,982 3.54%

    For 2021, First Citizens Community Bank's most frequently originated type of loan was Conventional, with 658 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, First Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 308 originations. The 2nd most popular reason was 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 2021, First Citizens Community Bank's most frequently cited loan duration was 30 Year, with 202 originations. The 2nd most popular length was 15 Year, with 164 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 433 $66,855,000 $154,400
    $1k-2k 25 $5,295,000 $211,800
    $2k-3k 12 $2,210,000 $184,167
    $3k-4k 10 $2,800,000 $280,000
    $5k+ 6 $5,740,000 $956,667
    $4k-5k 4 $1,500,000 $375,000

    First Citizens Community Bank's average total fees were $3,253, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.30%, while their most frequently originated rate bucket for loans was 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
    88.52%

    First Citizens Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.41%

    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 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 2 Wal-Mart Plaza Mansfield, PA 16933 Full Service Retail $8,947
    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
    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

    For 2021, First Citizens Community Bank had 31 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $73,178
    Net interest income $66,637
    Total noninterest income $11,948
    Gross Fiduciary activities income $865
    Service charges on deposit accounts $1,910
    Trading account gains and fees $0
    Additional Noninterest Income $9,173
    Pre-tax net operating income $35,842
    Securities gains (or losses, -) $267
    Income before extraordinary items $29,738
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,738
    Minority interest net income $0
    Net income $29,738
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,519

    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.

    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 0.0%
    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 $1,852,511
    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