First Citizens Bank
Mason City, IA
IDRSSD: 186744
Total Assets
$1.91B
Latest filing
Total Deposits
$1.69B
Latest filing
Net Interest Margin
3.21%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Citizens Bank
2601 4th St Sw
Mason City, IA 50401
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/09/1892FDIC Certificate 2929
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Citizens Bank (Main) | 2601 4th St Sw | Mason City, IA |
| 300 MAIN BRANCH | 300 N Main St | Charles City, IA |
| DOWNTOWN BRANCH | 33 E State St | Mason City, IA |
| CLARION BRANCH | 315 Central Ave E | Clarion, IA |
| OSAGE BRANCH | 501 Main St | Osage, IA |
| MORA BRANCH | 730 Forest Ave E | Mora, MN |
| KANAWHA BRANCH | 220 N Main St | Kanawha, IA |
| NEW HAMPTON BRANCH | 124 W Main St | New Hampton, IA |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/09/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50401 |
| State and County Number | 19033 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Mason City, IA |
Operational Info
| Number of Employees | 205 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.myfcb.bank |
| Data Updated | 11/14/2025 |
| CERT | 4433 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.91B |
| Total Deposits | $1.69B |
| Total Liabilities | $1.71B |
| Total Equity Capital | $195.68M |
| Net Income | $6.16M |
| Net Loans and Leases | $1.33B |
| Assets Per Employee ($Millions) | $9.48M |
| Bank Premises and Fixed Assets | $12.71M |
| Cash and Balances due from Depository Institutions | $141.72M |
| Deposits Held in Domestic Offices | $1.69B |
Key Performance Ratios
| Return on Assets (ROA) | 1.32% |
| Return on Equity (ROE) | 12.97% |
| Net Interest Margin | 3.21% |
| Efficiency Ratio | 47.62% |
| Tier 1 Risk-Based Capital Ratio | 13.301% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.268% |
| Earning Assets to total Assets | 95.08% |
Income and Expense
| Total Interest Income | $24.65M |
| Total Noninterest Income | $3.27M |
| Total Interest Expense | $10.40M |
| Total Noninterest Expense | $8.34M |
| Net Interest Income | $14.25M |
| Pre-tax Net Operating Income | $9.02M |
| Provision for Credit Losses | $156.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.74M |
| Total Liabilities and Capital | $1.91B |
Securities
| Securities | $360.03M |
| Available-for-sale debt securities | $360.03M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Citizens Bank?
$1.91B as of the latest filing.
How much are First Citizens Bank's total deposits?
$1.69B in total deposits.
Where is First Citizens Bank located?
Mason City, IA.
What is the Net Interest Margin?
3.21%.
How many domestic offices does it operate?
8.
When was it established?
01/09/1892.
What is the Return on Assets (ROA)?
1.32%.
How much are total loans and leases?
$1.33B (latest filing).
What is the total interest income (latest filing)?
$24.65M.