Unverified listing What this means
The Lender Report built this page from public records. First Citizens Bank has not reviewed it. Every lender's page starts this way, and it says nothing about First Citizens Bank itself. Each figure shows its source and date. Work at First Citizens Bank? You can claim this page for free.
Bank, Mason City, IA
First Citizens Bank, Mason City, IA
A bank based in Mason City, IA. Its commercial book is led by non-owner-occupied CRE and farmland. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $944M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 18
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.80B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-423-1602 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.myfcb.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- myfcb.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 2601 4th St Sw, Mason City, IA 50401FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. First Citizens Bank's Multifamily balance rose 25.7% to $97.8M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 1 closed, 0 relocated.FDIC structure history. | FDIC history |
| Jun 2025 to Jun 2026 | Farmland balance rose 2.8% to $173.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 2.2% to $172.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 11.8% to $133.2M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 685 small business loans totaling $74M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Minnesota | SBA 7(a), Drycleaning and Laundry Services (except Coin-Operated) | $500K | 7% | 11 yr | SBA FOIA | |
| Mar 2025 | Florida | SBA 504, Car Washes | $3.8M | 25 yr | SBA FOIA | ||
| Jan 2025 | North Carolina | SBA 504, Arts, Entertainment, and Recreation | $1.3M | 25 yr | SBA FOIA | ||
| Aug 2024 | Washington | SBA 504, Gasoline Stations with Convenience Stores | $2.1M | 25 yr | SBA FOIA | ||
| Mar 2024 | Iowa | SBA 7(a), Other Services (except Public Administration) | $400K | 7.5% | 10 yr | SBA FOIA | |
| Feb 2024 | California | SBA 504, Industrial Machinery and Equipment Merchant Wholesalers | $1.7M | 25 yr | SBA FOIA | ||
| Oct 2023 | California | SBA 504, Manufacturing | $1.8M | 25 yr | SBA FOIA | ||
| 16 SBA 504 first liens since October 2023, net of cancelled | $22.3M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $97.8M | 7.4% | +21.0% |
| Construction and land development | $101M | 7.6% | -27.9% |
| Owner-occupied CRE | $151M | 11.4% | -9.7% |
| Non-owner-occupied CRE | $248M | 18.6% | -5.5% |
| Farmland | $174M | 13.1% | +2.8% |
| Commercial and industrial | $172M | 13.0% | +2.3% |
| Commercial total | $944M |
Reference only: $183M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $881M |
| Q4 2023 | $909M |
| Q1 2024 | $922M |
| Q2 2024 | $962M |
| Q3 2024 | $975M |
| Q4 2024 | $962M |
| Q1 2025 | $972M |
| Q2 2025 | $988M |
| Q3 2025 | $962M |
| Q4 2025 | $955M |
| Q1 2026 | $956M |
| Q2 2026 | $944M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 2 | $900K | $450K | $500K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $500K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 16 | $22.3M | $1.28M | $3.8M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- First Citizens Bank reported making 685 small business loans totaling $73,969,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 455 of $100,000 or less, 163 over $100,000 up to $250,000, 67 over $250,000 up to $1 million.
- 349 of them, totaling $24,939,000, went to businesses with revenue of $1 million or less.
- First Citizens Bank reported making 669 small farm loans totaling $87,619,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 382 of $100,000 or less, 183 over $100,000 up to $250,000, 104 over $250,000 up to $500,000.
- 459 of them, totaling $53,139,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Chickasaw County, IA | 303 | $38.8M |
| Cerro Gordo County, IA | 94 | $11.6M |
| Wright County, IA | 60 | $2.71M |
| Floyd County, IA | 56 | $3.45M |
| Kanabec County, MN | 50 | $2.91M |
| Mitchell County, IA | 45 | $4.58M |
| Polk County, IA | 8 | $1.56M |
| Worth County, IA | 8 | $644K |
| Hancock County, IA | 6 | $355K |
| Isanti County, MN | 5 | $520K |
| County | Loans | Total |
|---|---|---|
| Cerro Gordo County, IA | 114 | $17.4M |
| Wright County, IA | 91 | $13.7M |
| Chickasaw County, IA | 72 | $7.52M |
| Worth County, IA | 60 | $7.42M |
| Floyd County, IA | 59 | $6.55M |
| Mitchell County, IA | 51 | $6.32M |
| Dubuque County, IA | 44 | $6.42M |
| Kanabec County, MN | 42 | $1.82M |
| Hancock County, IA | 26 | $3.73M |
| Franklin County, IA | 25 | $5.31M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First Citizens Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $22,205,000 for 1-4 family residential construction and $93,563,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $237,184,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 899 | $19.1M |
| Over $100,000 up to $250,000 | 309 | $18.8M |
| Over $250,000 up to $1 million | 154 | $28.4M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 117 | $4.60M |
| Over $100,000 up to $250,000 | 99 | $11.6M |
| Over $250,000 up to $1 million | 97 | $31.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 79 | $3.54M |
| Over $100,000 up to $250,000 | 149 | $17.9M |
| Over $250,000 up to $500,000 | 148 | $39.3M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 591 | $14.5M |
| Over $100,000 up to $250,000 | 251 | $22.6M |
| Over $250,000 up to $500,000 | 151 | $29.3M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Iowa HQ | 6 | 1 | 1 | ||
| Minnesota | 1 | 1 | 0 | ||
| California | 0 | 0 | 7 | ||
| Florida | 0 | 0 | 3 | ||
| North Carolina | 0 | 0 | 1 | ||
| New York | 0 | 0 | 1 | ||
| Texas | 0 | 0 | 1 | ||
| Virginia | 0 | 0 | 1 | ||
| Washington | 0 | 0 | 1 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First Citizens Bank has 7 offices in 6 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 6 full service and 1 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Cerro Gordo County, IA | 1 | 1 |
| Chickasaw County, IA | 1 | 0 |
| Floyd County, IA | 1 | 0 |
| Mitchell County, IA | 1 | 0 |
| Wright County, IA | 1 | 0 |
| Kanabec County, MN | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $35.8M | $26.5M to $50.1M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 186.9% | 104.3% to 274.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 42.2% | 27.5% to 78.9% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 84.3% | 74.7% to 106.7% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $133M | $20.0M to $147M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 11.8% from a year earlier. | FDIC call report, |
| Loans to assets | 73.9% | 63.2% to 87.2% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Availa Bank | IA | $1.73B | $786M |
| CBI Bank & Trust | IA | $1.70B | $702M |
| Lincoln Savings Bank | IA | $1.71B | $926M |
| Bank Iowa | IA | $2.35B | $1.32B |
| Central Bank | IA | $2.29B | $1.44B |
| Farmers State Bank | IA | $1.60B | $919M |
| The Security National Bank of Sioux City, Iowa | IA | $1.69B | $616M |
| Northwest Bank | IA | $3.00B | $1.50B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. First Citizens Bank, FDIC certificate 4433. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $1.80B in total assets and $944M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 18 recorded loans from SBA files, through September 30, 2026: 2 SBA 7(a) in 36 months, 16 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to First Citizens Bank]
- Phone and website. Phone 800-423-1602, from the lender's website on November 9, 2026. Website myfcb.bank, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 685 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 4433
- RSSD
- 186744
- LEI
- 549300VGKMMSJEW8TW22
- The Lender Report ID
- lr_000949
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $1.8B in total assets as of June 30, 2026 (FDIC call report).
- Held $943.6M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $247.8M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $173.6M of farmland loans as of June 30, 2026, up 2.8% from a year earlier (FDIC call report).
- Held $172.5M of commercial and industrial loans as of June 30, 2026, up 2.2% from a year earlier (FDIC call report).
- Recorded 2 SBA 7(a) approvals totaling $900K from October 1, 2023 to September 30, 2026 (SBA).
7 more sentences
- Provided the first lien on 17 SBA 504 projects with $22.7M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 7 offices in 2 states (FDIC).
- Reported making 685 small business loans totaling $74M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 669 small farm loans totaling $87.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 1,362 commercial and industrial loans that were $1 million or less when made, with a balance of $66.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 313 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $48M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $22.2M for 1-4 family and $93.6M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, First Citizens Bank, https://lender.report/lender/first-citizens-bank-ia/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at First Citizens Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem