Where is First Citizens Bank located?

First Citizens Bank is located at 2601 4th St SW Mason City, IA 50401.

How can I contact First Citizens Bank?

You can contact First Citizens Bank by phone at (800) 423-1602 or email at fcb@myfcb.bank.

First Citizens Bank

About

Community bank headquartered in Mason City delivering exceptional financial experiences and inspiring financial well-being for everyone through personal, business, and wealth management services in Iowa and Minnesota.

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

0

Last 3 Years

1

YoY Growth

-100.0%

no activity

Loan Size Distribution

As Of June 30, 2025

Median

$400K

Average

$400K

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + -1.00%

Typical Range:Prime + -1.00% - -1.00%

Min / Max:Prime + -1.00% / -1.00%

Market Comparison

This Lender

Prime + -1.00%

Market Average

Prime + 1.25%

225 bps better market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High