First Citizens Cmty Bank (FDIC #7593): Bank Stress & Real-Estate Credit Exposure
First Citizens Cmty Bank (FDIC Cert #7593): bank stress 57/100, moderate, STABLE over 7 days; parent CITIZENS FINL SERVICES INC.
First Citizens Cmty Bank (#7593) lends in 20 counties across 4 states; First Citizens Cmty Bank (#7593) reaches 680 ZIP codes: Pennsylvania 15 counties, 533 ZIPs; Delaware 3 counties, 70 ZIPs; New Jersey 1 county, 39 ZIPs; New York 1 county, 38 ZIPs.
First Citizens Cmty Bank (#7593) largest markets: Montgomery County, PA (142 branches, 71 ZIPs) (#7593), Berks County, PA (64 branches, 64 ZIPs) (#7593), Lancaster County, PA (183 branches, 61 ZIPs) (#7593), Bucks County, PA (180 branches, 60 ZIPs) (#7593), Schuylkill County, PA (118 branches, 59 ZIPs) (#7593), Philadelphia County, PA (147 branches, 49 ZIPs) (#7593).
First Citizens Cmty Bank (#7593) reports $3.19 billion in total assets; First Citizens Cmty Bank (#7593) equity $361.9 million (11.4% of First Citizens Cmty Bank (#7593) assets); First Citizens Cmty Bank (#7593) domestic deposits $2.40 billion; First Citizens Cmty Bank (#7593) net income $22.0 million; First Citizens Cmty Bank (#7593) return on assets 1.43%; First Citizens Cmty Bank (#7593) return on equity 12.32%; First Citizens Cmty Bank (#7593) net interest income $52.5 million; First Citizens Cmty Bank (#7593) call report June 30, 2026.
First Citizens Cmty Bank (#7593) noncurrent real-estate loans: none reported; First Citizens Cmty Bank (#7593) net charge-offs on real estate 1.50%; First Citizens Cmty Bank (#7593) multifamily charge-offs 2.22%; First Citizens Cmty Bank (#7593) residential charge-offs 1.98%.
First Citizens Cmty Bank (#7593) net interest margin 3.74% against an eight-quarter First Citizens Cmty Bank (#7593) average of 3.52% (First Citizens Cmty Bank (#7593) compression -0.22 points); First Citizens Cmty Bank (#7593) non-residential real estate 197.7% of equity; First Citizens Cmty Bank (#7593) rate-exposure score 40/100, First Citizens Cmty Bank (#7593) fixed-rate trap 40/100; First Citizens Cmty Bank (#7593) risk type credit driven; First Citizens Cmty Bank (#7593) rate regime rates elevated, First Citizens Cmty Bank (#7593) snapshot October 19, 2026.
First Citizens Cmty Bank (#7593) stress score moved from 54.3 on June 22, 2026 to 57.3 on October 19, 2026; First Citizens Cmty Bank (#7593) ranged 54.3 to 57.3 over 116 snapshots.
First Citizens Cmty Bank (#7593) alerts: 20 counties; top First Citizens Cmty Bank (#7593) alert scores: Lebanon County, PA 37 (moderate); Philadelphia County, PA 35 (moderate); Dover County, PA 20 (low); Georgetown County, PA 20 (low); Huntingdon Valley County, PA 20 (low).