First Citizens Bank

First Citizens Bank is an FDIC insured institution headquartered at 2601 4th St Sw, Mason City, IA 50401.
It was founded in 1892 and has approximately $2 billion in assets. Customers can open an account at one of its 9 branches.

Deposit Rates - December 22, 2024

SAVINGS RATES	APY	MIN
Savings	0.15%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.35%	$10,000	Compare
6 Mo CD	0.50%	$100,000	Compare
12 Mo CD	0.55%	$10,000	Compare
12 Mo CD	0.70%	$100,000	Compare
18 Mo CD	0.65%	$10,000	Compare
18 Mo CD	0.80%	$100,000	Compare
24 Mo CD	0.75%	$10,000	Compare
24 Mo CD	0.90%	$100,000	Compare
36 Mo CD	0.80%	$10,000	Compare
36 Mo CD	1.00%	$100,000	Compare
48 Mo CD	0.95%	$10,000	Compare
48 Mo CD	1.10%	$100,000	Compare
60 Mo CD	1.05%	$10,000	Compare
60 Mo CD	1.21%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.25%	$10,000	Compare
Money Market	0.25%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.10%	$2,500

Loan Rates - December 22, 2024

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Conforming	6.16%	$3,660.62
15 Year Fixed Conforming	6.20%	$2,801.99
30 Year Fixed Conforming	7.13%	$2,135.42

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Conforming	6.16%	$3,660.62
15 Year Fixed Conforming	6.20%	$2,801.99
30 Year Fixed Conforming	6.63%	$2,135.42

See Other Mortgage Rates →

Overview 2024

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 4433
Date Established	1892
Assets	$ 1,788.68 million
Loans	$ 1,312.16 million
Deposits	$ 1,601.91 million
Capital	$ 171.05 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 61.84 million
Interest-bearing balances	$ 41.82 million
Total securities	$ 342.26 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,312.16 million
Loan loss allowance	$ 15.45 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 2.81 million
All other assets	$ 52.69 million
Total Assets	$ 1,617.63 million

LIABILITIES
Total deposits	$ 1,601.91 million
Interest-bearing deposits	$ 1,442.74 million
Deposits held in domestic offices	$ 1,601.91 million
% insured (estimated)	61.57%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 9.76 millionn
Total Liabilities	$ 1,617.63 million
Shareholders’ Equity	$ 171.05 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 43.32 million
Total Interest Expense	$ 21.29 million
Net interest income	$ 22.03 million
Provision for loan and lease losses	$ 1.20 million
Total non interest income	$ 5.59 million
Total non interest expense	$ 15.51 million
Pre-tax Net Operating Income	$ 14.22 million

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Branches

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