Bank · FDIC insured
First Citizens Community Bank
A $3.2B bank, the 398th largest of 4,207, headquartered in Mansfield, PA, with 44 branches in 4 states. Best rates: CDs 4.42% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website.
- CDs—4.22%Needs another account or monthly activityCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Citizens Community Bank
Originally opened as Ross and Williams Bank in Mansfield, Pennsylvania in 1872, the bank established its current charter in 1932 when sold to local citizens to create a community-owned bank.
First Citizens Community Bank expanded through acquisitions including Fredericksburg National Bank, Midcoast Community Bank, and Huntingdon Valley Bank, growing its presence to 39 community offices across three states.
The bank maintains a strong concentration in commercial banking and provides specialized agricultural lending with a dedicated Ag team.
- Headquarters
- 15 S Main St, Mansfield, PA 16933
- FDIC certificate
- 7593 ↗
Branches
44 branches in 4 states
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Pennsylvania
37 branches
Sayre area · 9
- Canton Branch53 W Main St, Canton, PA 17724Directions
- Gillett Branch33178 Route 14, Gillett, PA 16925Directions
- Le Raysville Branch960 Main St, LeRaysville, PA 18829Directions
- State Line Branch7352 Route 328, Millerton, PA 16936Directions
- Rome Branch847 Main St, Rome, PA 18837Directions
- Sayre Branch306 W Lockhart St, Sayre, PA 18840Directions
- Sayre Branch1778 Elmira St, Sayre, PA 18840Directions
- Towanda Branch111 Main St, Towanda, PA 18848Directions
- Troy Branch1133 W Main St, Troy, PA 16947Directions
Philadelphia area · 9
- Doylestown Branch2005 S Easton Rd, Doylestown, PA 18901Directions
- County Line Road Branch1990 County Line Rd, Huntingdon Valley, PA 19006Directions
- Huntington Valley Branch2617 Huntingdon Pike, Huntingdon Valley, PA 19006Directions
- Kennett Square Branch741 W Cypress St, Kennett Square, PA 19348Directions
- Arch Street Branch1717 Arch St, Philadelphia, PA 19103Directions
- Center City Branch Office990 Spring Garden St, Philadelphia, PA 19123Directions
- South Philly Branch Office2444 S Broad St, Philadelphia, PA 19145Directions
- Plumsteadville Branch5725 Easton Rd, Pipersville, PA 18947Directions
- Warrington Branch610 Easton Rd, Warrington, PA 18976Directions
Lancaster area · 3
- Fivepointville Branch1015 Dry Tavern Rd, Denver, PA 17517Directions
- Ephrata Branch3630 Rothsville Rd, Ephrata, PA 17522Directions
- Mount Joy Branch720 E Main St, Mount Joy, PA 17552Directions
Lebanon area · 3
- Pine Grove Br3016 S Pine Grove St, Fredericksburg, PA 17026Directions
- Quentin Road Branch450 Isabel Dr, Lebanon, PA 17042Directions
- Sunset Branch1690 N 7th St, Lebanon, PA 17046Directions
Mansfield area · 2
- First Citizens Community BankMain office15 S Main St, Mansfield, PA 16933Directions
- Wal-Mart Banking Center Branch2 Walmart Plz, Mansfield, PA 16933Directions
Pottsville area · 2
- Friedensburg Branch1549 Route 443, Friedensburg, PA 17933Directions
- Schuylkill Haven Branch45 W Main St, Schuylkill Haven, PA 17972Directions
Blossburg area · 1
- Blossburg Branch300 Main St, Blossburg, PA 16912Directions
Genesee area · 1
- Genesee Branch391 Main St, Genesee, PA 16923Directions
Lock Haven area · 1
- Mill Hall Branch39 King Arthur Dr, Mill Hall, PA 17751Directions
Reading area · 1
- Mount Aetna Branch7635 Lancaster Avenue, Mount Aetna, PA 19544Directions
State College area · 1
- State College Financial Center Branch141 W Beaver Ave, State College, PA 16801Directions
Ulysses area · 1
- Ulysses Branch502 Main St, Ulysses, PA 16948Directions
Wellsboro area · 1
- Wellsboro Branch1 Pearl St, Wellsboro, PA 16901Directions
Williamsport area · 1
- Williamsport Branch1732 E 3rd St, Williamsport, PA 17701Directions
Lewisburg area · 1
- Winfield Branch1157 Westbranch Hwy, Winfield, PA 17889Directions
Delaware
5 branches
Philadelphia area · 3
- Greenville Branch3840 Kennett Pike, Greenville, DE 19807Directions
- Concord Pike Branch2901 Concord Pike, Wilmington, DE 19803Directions
- Midcoast Community Branch4900 Kirkwood Hwy, Wilmington, DE 19808Directions
Dover area · 1
- North Dover Branch1009 N Dupont Hwy, Dover, DE 19901Directions
Seaford area · 1
- Georgetown Branch20169 Office Circle, Georgetown, DE 19947Directions
New Jersey
1 branch
- Mount Laurel Branch Office1300 Route 73, Mount Laurel, NJ 08054Directions
New York
1 branch
- Wellsville Branch10 S Main St, Wellsville, NY 14895Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.64% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.70% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.43% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalLeverage ratio9.64%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.70%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.43%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$100Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Citizens Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.