First Citizens Community Bank

What First Citizens Community Bank does

First Citizens Community Bank (FCCB) is a Pennsylvania-headquartered community bank and the primary banking subsidiary of Citizens Financial Services, Inc., a publicly traded bank holding company listed on NASDAQ under ticker CZFS. Founded in 1932 and headquartered in Mansfield, PA, the bank operates a multi-branch distribution network across Pennsylvania, with services extending into New Jersey and Delaware, employing between 251 and 500 staff. It serves five primary customer segments: individual consumers, small and medium businesses, agricultural operations, medical professionals, and nonprofit organizations, with a deliberate emphasis on local decision-making, in-house mortgage underwriting, and niche specialization in agricultural lending and medical professional mortgages.

The bank offers a full-service product suite spanning personal and business checking/savings, mortgages (including FHA, VA, USDA, Conventional, Construction-to-Permanent, Home Equity, and the differentiated YourChoice HELOC with multi-rate lock capability), personal and business loans, credit cards, merchant card services, remote deposit capture, treasury/cash management, and trust and investment services via its FCCB Wealth Advisors subsidiary. Its technology stack is built on third-party community banking infrastructure: NetTeller for online banking, Kasasa for the FIRSTBranch CMS and FCCB Academy financial wellness platform, MWF Amplify for loan payments, Broadridge for shareholder access, and native iOS/Android mobile apps. The bank holds FDIC insurance, NMLS mortgage lending licensure (NMLS ID 401353), and Equal Housing Lender designation, and maintains WCAG 2.2 Level AA accessibility certification.

FCCB generates revenue primarily through net interest income earned on the spread between loans (mortgage, commercial, agricultural, personal) and deposits, supplemented by non-interest fee income from deposit services, merchant card processing, trust and investment management, and insurance products. The go-to-market is a traditional community-bank sales motion executed through the Pennsylvania branch network, supplemented by an online mortgage center and mobile channels. Recent inorganic growth has been pursued via two disclosed acquisitions (MidCoast Community Bank in April 2020 and HV Bancorp/Huntingdon Valley Bank in October 2022 for ~$67.4 million), with FY2025 net income of $36.6 million (+31.5% YoY) and Q1 2026 net income of $10.4 million (+36.15% YoY) reflecting sustained earnings momentum.

Name

First Citizens Community Bank

Legal name

Citizens Financial Services, Inc.

Website

https://firstcitizensbank.com

Company type

Public

Founded year

1932

Operating status

Operating

Headcount range

251–500 employees

Short description

First Citizens Community Bank is a Pennsylvania-based community bank and subsidiary of Citizens Financial Services (NASDAQ: CZFS) offering personal, business, agricultural, and mortgage banking to consumers, SMBs, and medical professionals across PA, NJ, and DE.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Mortgage lending
• Agricultural banking
• Commercial lending
• Wealth management

Headquarters

HQ city

Mansfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Net Interest Income: Primary revenue stream from spread between interest earned on loans (mortgages, commercial, agricultural, personal) and interest paid on deposits. Core banking income derived from lending activities across personal, business, and agricultural segments.
2. Non-Interest Income: Fees from deposit account services, merchant card processing, trust and investment management services, insurance products, and other financial services.
3. Mortgage Banking: Revenue from originating and servicing mortgage loans, including in-house programs (FHA, VA, USDA, Conventional) and secondary market sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

First Citizens Community Bank is a community bank offering personal and business banking products and services, including checking and savings accounts, mortgages and home loans, personal and commercial lending, agricultural lending, credit cards, wealth management, and insurance products. The bank distributes its offerings through a regional branch network across Pennsylvania complemented by online and mobile banking channels, with in-house mortgage origination and local underwriting as a key differentiator.

Product overview

First Citizens Community Bank (FCCB) operates as a full-service community bank offering personal, business, and agricultural banking products organized around checking, savings, lending, and digital services. The core personal banking suite includes multiple Personal Checking variants (Budget, Vantage, Platinum, No Hassle, Student, Veterans Checking), Personal Savings accounts, Mortgages & Home Loans (with in-house origination and government-insured programs), Personal Loans (auto, line of credit, education), and Personal Credit Cards. Business banking encompasses Business Checking, Business Savings, Business Services (online banking, cash management, merchant services, fraud protection, remote deposit capture), Business & Agriculture Loans (SBA, commercial real estate, equipment, agriculture), and Business Credit Cards. The bank also offers Trust & Investments, Insurance, a dedicated Agriculture Banking division, and FCCB Wealth Advisors for wealth management. Digital access is provided through the Bank Anywhere Tools platform (online banking, mobile app, mobile deposit, mobile wallet). Financial wellness education is delivered via FCCB Academy (teachbanzai.com) and the FCCB Blog/Education Center. Mortgage grant programs for first-time homebuyers are available through partnerships with PHFA, NJHMFA, and DSHA.

Differentiator

Problem solved

Functional benefit

Brands

• FCCB Wealth Advisors: Investment management and wealth advisory services including trust administration, estate planning, and investment management.
• FCCB Academy

Products and services

• Personal Checking Suite A suite of personal checking account options including Budget Checking, Vantage Checking, Platinum Checking, No Hassle Checking, Student Checking, and Veterans Checking — each targeting different customer segments from students to veterans.
• Personal Savings Personal savings products including Statement Savings Account, Money Market Investor, Natural Energy Money Market Account, Escrow Savings Account, and CDs/IRAs/HSA accounts for individual customers.
• Mortgages & Home Loans In-house mortgage lending covering Construction-to-Permanent, Second Homes, Home Achievable CRA, Medical Professional, Home Equity Loans, HELOC, and YourChoice Line of Credit programs originated and underwritten locally.
• Personal Loans Unsecured and secured personal lending including Auto Loans, Ready Money Line of Credit, and Private Education Loans for individual consumers.
• Personal Credit Cards Credit card products for individual consumers, including balance transfer promotions such as 0% interest for 12 months.
• Business Checking Business checking accounts including Small Business Checking Account and Business Analysis Checking Account for small and medium businesses.
• Business Savings Business savings products including Business Statement Savings Account, Business Money Market Investor, and Business Certificates of Deposit (CDs).
• Business & Agriculture Loans Commercial and agricultural lending including Commercial Real Estate Loans, Business Lines of Credit, Agriculture Loans, Equipment Loans, Small Business Loans (SBA), Business Term Loans, Letters of Credit, and Accounts Receivable Financing.
• Business Credit Cards Credit card products tailored for business customers.
• Trust & Investments Wealth management services including Investment Management, Estate Planning, Trust Administration, and Oil & Gas Management, operated through FCCB Wealth Advisors.
• Insurance Insurance products for individuals and businesses, including Personal Insurance and Business Insurance, offered through the Trust & Investments division.
• Agriculture Banking Specialized banking services for agricultural businesses, including dedicated Agriculture Loans, an Agriculture Team, products and services tailored for farms, and a customer corner newsletter.
• Home Equity Loans & HELOC Home equity lending products including Home Equity Loans (with a 4.99% APR intro rate for 6 months), Home Equity Line of Credit (HELOC), and the FCCB YourChoice Home Equity Line of Credit with fixed-rate conversion options.
• Mortgage Grant Programs First-time homebuyer grant and assistance programs including First Front Door (FFD), PHFA K-Fit, PHFA K-Flex, NJHMFA (up to $15,000 forgivable grant), and DSHA (down payment assistance with up to $2,000 annual mortgage tax credit).
• Government-Insured Mortgage Programs Government-backed mortgage programs including FHA loans, VA loans (zero down payment, no PMI for veterans/military), USDA loans for rural homebuyers, 203K Renovation Loans, Homestyle Renovation Loans, and conventional loans.
• FCCB Wealth Advisors Wealth advisory brand offering investment management, IRA accounts, mutual fund guidance, and retirement planning services for individuals.

Quantifiable outcome

• Q1 2026 net income increased 36.15% year-over-year to $10.4 million
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature2 records

Partnerships

One partnership is on record.

• HV Bancorp, Inc.coreStrategic or Co-development Partner · 19 October 2022Citizens Financial Services (parent of First Citizens Community Bank) entered a definitive merger agreement to acquire HV Bancorp, Inc. through a combination of cash and stock valued at approximately $67.4 million. The transaction aimed to expand Citizens' presence in multiple U.S. counties.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ACNB Corporation: Gettysburg, PA based community bank holding company on NASDAQ (ACNB), offering community banking, mortgage, and wealth services across southern Pennsylvania and northern Maryland with a similar asset size and business mix.
• First Keystone Corporation: Berwick, PA based community bank holding company serving consumer and small business customers throughout northeastern Pennsylvania, broadly comparable in scale, deposit-funded lending model, and geographic focus.
• Citizens & Northern Corporation: Wellsboro, PA based bank holding company (NASDAQ: CZNC) operating community banking branches across northern Pennsylvania with a similar mix of consumer, mortgage, and commercial lending.
• William Penn Bank: Pennsylvania headquartered community bank with a deposit-funded consumer and small business lending model and overlap in regional markets, broadly comparable to First Citizens Community Bank's footprint and product set.
• Kish Bank: Belleville, PA based community bank with similar size and focus on consumer, agricultural, and small business banking in central Pennsylvania markets, directly comparable to First Citizens Community Bank's niche positioning.
• Muncy Bank: Muncy, PA based community bank offering consumer, mortgage, and small business banking services in the same Pennsylvania rural markets targeted by First Citizens Community Bank; comparable size and operating model.

Broad incumbents

• S&T Bancorp: Indiana, PA based regional bank holding company (NASDAQ: STBA), substantially larger than First Citizens but with overlapping Pennsylvania community-banking footprint and broader commercial and wealth capabilities.
• F.N.B. Corporation: Pittsburgh, PA based regional bank holding company (NYSE: FNB) operating across PA, OH, MD, NC, and SC; a much larger multi-state consolidator with significant retail/community banking overlap with First Citizens Community Bank.
• Univest Financial Corporation: Souderton, PA based bank holding company (NASDAQ: UVSP) offering community banking and wealth management across eastern Pennsylvania; larger scale but a directly comparable geographic and product profile.
• Tompkins Financial Corporation: Ithaca, NY based regional bank holding company (NYSE: TMP) operating community-banking, business-banking, and wealth management across upstate New York and northeastern Pennsylvania.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/firstcitizenscommunitybank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Citizens Community Bank