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 - April 19, 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 - April 19, 2024
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
10 Year Fixed Conforming
7.17%
$3,660.62
15 Year Fixed Conforming
7.21%
$2,801.99
30 Year Fixed Conforming
7.13%
$2,135.42
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
10 Year Fixed Conforming
7.17%
$3,660.62
15 Year Fixed Conforming
7.21%
$2,801.99
30 Year Fixed Conforming
7.38%
$2,135.42
Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 4433
Date Established
1892
Assets
$ 1,723.54 million
Loans
$ 1,245.70 million
Deposits
$ 1,520.54 million
Capital
$ 170.09 million
Summary Balance Sheet as of June 30, 2023
ASSETS
Cash & Balances due from depository institutions
$ 41.45 million
Interest-bearing balances
$ 24.85 million
Total securities
$ 362.47 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 1,245.70 million
Loan loss allowance
$ 15.07 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 2.88 million
All other assets
$ 52.69 million
Total Assets
$ 1,553.45 million
LIABILITIES
Total deposits
$ 1,520.54 million
Interest-bearing deposits
$ 1,356.59 million
Deposits held in domestic offices
$ 1,520.54 million
% insured (estimated)
61.83%
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
$ 1,553.45 million
Shareholders’ Equity
$ 170.09 million
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES
Total Interest Income
$ 76.34 million
Total Interest Expense
$ 33.57 million
Net interest income
$ 42.78 million
Provision for loan and lease losses
$ 1.33 million
Total non interest income
$ 11.80 million
Total non interest expense
$ 30.16 million
Pre-tax Net Operating Income
$ 14.22 million
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