IA lenders / Community Bank
First Citizens Bank
Community Bank · Mason City, IA · First Citizens Financial Corp
- Total assets
- $1.8B
- CRE loan book
- $616.5M
- QoQ CRE growth
- -0.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.58% as of Q1 2026 — TX bank median 4.87% (0.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.58% | 5.81% |
| Q4 2025 | 5.76% | 5.92% |
| Q3 2025 | 5.72% | 5.99% |
| Q2 2025 | 5.63% | 6.03% |
| Q1 2025 | 5.54% | 5.79% |
| Q4 2024 | 5.87% | 6.13% |
| Q3 2024 | 5.72% | 6.10% |
| Q2 2024 | 5.53% | 5.95% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $616.5M | $131.4M | $77.8M | 205% | $7.6M |
| Q4 2025 | $619.8M | $134.6M | $78.2M | 208% | $7.8M |
| Q3 2025 | $648.1M | $118.6M | $84.1M | 221% | $7.6M |
| Q2 2025 | $650.2M | $139.8M | $80.8M | 220% | $7.9M |
| Q1 2025 | $627.8M | $115.6M | $81.2M | 207% | $8.2M |
| Q4 2024 | $614.5M | $132.4M | $83.0M | 209% | $8.0M |
| Q3 2024 | $598.7M | $115.0M | $84.6M | 209% | $2.6M |
| Q2 2024 | $568.2M | $132.2M | $81.1M | 208% | $4.4M |
Signals
Recent news
- Bay Area newcomer Citizens Bank sees surge in local deposits thanks to rapid growth of private bank - The Business Journals — Coverage of First Citizens Bank related to commercial real estate and lending reported by bizjournals.com.Sep 23, 2026
- What First Citizens BancShares (FCNC.A)ʼs $300 Million Preferred Offering Means For Shareholders - simplywall.st — Coverage of First Citizens Bank related to commercial real estate and lending reported by simplywall.st.Sep 20, 2026
- First Citizens Bank Lends $157M For Self-Storage Fund - law360.com — Coverage of First Citizens Bank related to commercial real estate and lending reported by law360.com.Sep 14, 2026
- First Citizens Bank Lends $157M For Self-Storage Fund - Law360 — Coverage of First Citizens Bank related to commercial real estate and lending reported by law360.com.Sep 14, 2026
- First Citizens Bank Provides $157 Million Financing to Morningstar Properties - citybiz — Coverage of First Citizens Bank related to commercial real estate and lending reported by citybiz.co.Sep 14, 2026
- First Citizens Bank Provides $157 Million to Morningstar Properties - PR Newswire — Coverage of First Citizens Bank related to commercial real estate and lending reported by prnewswire.com.Sep 14, 2026
- First Citizens BancShares (FCNC.A) Preferred Offering Keeps Fair Value In Focus - simplywall.st — Coverage of First Citizens Bank related to commercial real estate and lending reported by simplywall.st.Sep 13, 2026
- First Citizens Bank & Trust Expands San Diego Office Footprint - CommercialCafe — Coverage of First Citizens Bank related to commercial real estate and lending reported by commercialcafe.com.Aug 14, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Cornerstone Capital Bank, SSBCommunity Bank · Houston · $612.8M CRE book
- United Bank of MichiganCommunity Bank · Grand Rapids · $621.1M CRE book
- Farmers State BankCommunity Bank · Waterloo · $608.1M CRE book
- BOM BankCommunity Bank · Natchitoches · $602.0M CRE book
- Isabella BankCommunity Bank · Mount Pleasant · $599.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.