First Citizens Bank (FDIC #4433): Bank Stress & Real-Estate Credit Exposure

First Citizens Bank (FDIC Cert #4433): bank stress 44/100, contained, STABLE over 7 days; parent FIRST CITIZENS FINANCIAL CORP.

First Citizens Bank (#4433) lends in 6 counties across 2 states; First Citizens Bank (#4433) reaches 64 ZIP codes: Iowa 5 counties, 55 ZIPs; Minnesota 1 county, 9 ZIPs.

First Citizens Bank (#4433) largest markets: Cerro Gordo County, IA (34 branches, 17 ZIPs) (#4433), Wright County, IA (16 branches, 16 ZIPs) (#4433), Floyd County, IA (13 branches, 13 ZIPs) (#4433), Mitchell County, IA (12 branches, 12 ZIPs) (#4433), Chickasaw County, IA (9 branches, 9 ZIPs) (#4433), Kanabec County, MN (9 branches, 9 ZIPs) (#4433).

First Citizens Bank (#4433) reports $1.80 billion in total assets; First Citizens Bank (#4433) equity $205.2 million (11.4% of First Citizens Bank (#4433) assets); First Citizens Bank (#4433) domestic deposits $1.58 billion; First Citizens Bank (#4433) net income $19.0 million; First Citizens Bank (#4433) return on assets 2.09%; First Citizens Bank (#4433) return on equity 18.57%; First Citizens Bank (#4433) net interest income $30.6 million; First Citizens Bank (#4433) call report June 30, 2026.

First Citizens Bank (#4433) noncurrent real-estate loans 0.19% of its book; First Citizens Bank (#4433) residential 0.02%; First Citizens Bank (#4433) net charge-offs on real estate 0.09%; First Citizens Bank (#4433) residential charge-offs 0.05%.

First Citizens Bank (#4433) net interest margin 3.54% against an eight-quarter First Citizens Bank (#4433) average of 3.08% (First Citizens Bank (#4433) compression -0.46 points); First Citizens Bank (#4433) real-estate loans 19.1% of equity; First Citizens Bank (#4433) non-residential real estate 4.6% of equity; First Citizens Bank (#4433) rate-exposure score 40/100, First Citizens Bank (#4433) fixed-rate trap 40/100; First Citizens Bank (#4433) risk type credit driven; First Citizens Bank (#4433) rate regime rates elevated, First Citizens Bank (#4433) snapshot October 19, 2026.

First Citizens Bank (#4433) stress score moved from 46.5 on June 22, 2026 to 43.7 on October 20, 2026; First Citizens Bank (#4433) ranged 43.7 to 46.5 over 117 snapshots.

First Citizens Bank (#4433) alerts: 6 counties; top First Citizens Bank (#4433) alert scores: Charles City County, IA 18 (low); Clarion County, IA 18 (low); Mason City County, IA 18 (low); Mora County, IA 18 (low); New Hampton County, IA 18 (low).