PA lenders / Community Bank
First Citizens Community Bank
Community Bank · Mansfield, PA · Citizens Finl Services Inc
- Total assets
- $3.0B
- CRE loan book
- $1.1B
- QoQ CRE growth
- 2.0%
- Q1 2026
Recorded CRE activity — pa-berks County
3 commercial deeds of trust recorded recently, verified from county records.
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.09% as of Q1 2026 — TX bank median 4.87% (1.22pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.09% | 6.24% |
| Q4 2025 | 6.24% | 6.33% |
| Q3 2025 | 6.26% | 6.33% |
| Q2 2025 | 6.04% | 6.16% |
| Q1 2025 | 5.85% | 6.12% |
| Q4 2024 | 6.13% | 6.28% |
| Q3 2024 | 6.04% | 6.22% |
| Q2 2024 | 6.08% | 6.21% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.1B | $83.2M | $256.1M | 296% | $21.3M |
| Q4 2025 | $1.1B | $94.0M | $240.7M | 288% | $10.8M |
| Q3 2025 | $1.1B | $107.9M | $236.7M | 290% | $9.1M |
| Q2 2025 | $1.1B | $138.3M | $222.8M | 304% | $12.2M |
| Q1 2025 | $1.1B | $168.9M | $207.3M | 307% | $11.5M |
| Q4 2024 | $1.1B | $164.3M | $140.8M | 297% | $12.5M |
| Q3 2024 | $1.1B | $177.8M | $139.9M | 301% | $11.7M |
| Q2 2024 | $1.1B | $180.2M | $140.1M | 305% | $3.4M |
Signals
Recent news
- Despite Recent Gains, Opportunity Remains With Citizens Financial Services (NASDAQ:CZFS) - Seeking Alpha — Coverage of First Citizens Community Bank related to commercial real estate and lending reported by seekingalpha.com.Aug 30, 2026
- CZFS|Citizens Financial Services Inc|Price:76.710|Chg%:-0.550 - TradingKey — Coverage of First Citizens Community Bank related to commercial real estate and lending reported by tradingkey.com.Jul 31, 2026
- Citizens Financial Services Q2 Results: Net Profit Up 20.4% YoY to $10.2M - scanx.trade — Coverage of First Citizens Community Bank related to earnings reported by scanx.trade.Jul 30, 2026
- Citizens Financial Services (NASDAQ:CZFS) Falls on Revenue Miss Despite Q2 Earnings Beat - ChartMill — Coverage of First Citizens Community Bank related to earnings reported by chartmill.com.Jul 30, 2026
- Nonperforming assets rise to $43.4M at Citizens Financial Services - Stock Titan — Coverage of First Citizens Community Bank related to commercial real estate and lending reported by stocktitan.net.Jul 30, 2026
- CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS - Yahoo Finance Singapore — Coverage of First Citizens Community Bank related to commercial real estate and lending reported by sg.finance.yahoo.com.Jul 30, 2026
- CZFS|Citizens Financial Services Inc|Price:76.960|Chg%:+0.580 - TradingKey — Coverage of First Citizens Community Bank related to commercial real estate and lending reported by tradingkey.com.Jul 30, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Kennebunk Savings BankCommunity Bank · Kennebunk · $1.1B CRE book
- American Momentum BankCommunity Bank · College Station · $1.1B CRE book
- First Community BankCommunity Bank · Bluefield · $1.1B CRE book
- Stearns Bank National AssociationCommunity Bank · Saint Cloud · $1.1B CRE book
- First Guaranty BankCommunity Bank · Hammond · $1.1B CRE book
Last updated Jul 8, 2026 · Sources: FFIEC CDR, county records, first-party conversations.