First Citizens Cmty Bank: Bank Stress & Real-Estate Credit Exposure

First Citizens Cmty Bank (FDIC Cert #7593) carries a DLRadar bank-stress score of 54/100, a moderate reading of the credit and balance-sheet pressure on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital, earnings and real-estate loan concentration — and weighted by where it lends.

Over the trailing week its stress reading is stable. Momentum matters as much as the level: a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress shows in listings.

First Citizens Cmty Bank has real-estate lending exposure across 20 U.S. counties in 4 states, spanning 680 ZIP codes. Its largest footprints are in Pennsylvania (15 counties), Delaware (3 counties), New Jersey (1 counties), New York (1 counties). DLRadar maps this footprint from FDIC branch and deposit data so the bank's stress can be tied to the specific markets it finances.

First Citizens Cmty Bank is held under Citizens Finl Services Inc, so its financial disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for real-estate acquisitions: local lending capacity drives transactions. When First Citizens Cmty Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory will surface next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves — so you can act on distressed supply before the broader market prices it in. Every figure on this page traces to a public federal source.