SBA lender record

First Citizens Bank

2601 4th St Sw, Mason City, IA, 50401. The complete public SBA 7(a) lending record (FY2020–24) — every business First Citizens Bank financed, every failed deal, the branches, and the FDIC profile.

$9.9M

Total SBA financing

Loans on record

Businesses financed

1.8%

Failure rate (FY20–23)

● branch locations (FDIC)

FDIC profile

Total assets: $1.8B
Deposits: $1.6B
Loans outstanding: $1.3B
Net income: $8.8M
Return on assets: 1.9214907649800974%
Return on equity: 17.15%
Total equity: $205.1M
Offices: 8
Founded: 01/0
Headquarters: 2601 4th St Sw, Mason City, IA, 50401
FDIC cert: 4433
Website: www.myfcb.bank

FDIC call-report data, quarter ending 03/2026.

8 branches

First Citizens BankMain office2601 4th St Sw, Mason City, IA, 50401· since 1892
Kanawha Branch220 N Main St, Kanawha, IA, 50447· since 1800
Osage Branch501 Main St, Osage, IA, 50461· since 1856
Clarion Branch315 Central Ave E, Clarion, IA, 50525· since 1887
Mora Branch730 Forest Ave E, Mora, MN, 55051· since 1917
New Hampton Branch124 W Main St, New Hampton, IA, 50659· since 1929
300 Main Branch300 N Main St, Charles City, IA, 50616· since 1994
Downtown Branch33 E State St, Mason City, IA, 50401· since 1996

Failed deals

1 of First Citizens Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

Luke & Sarah Home Improvements LLCSolon, IA · $150K · FY2022$105K lost

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Businesses First Citizens Bank financed

47 businesses on record. Each links to its full SBA record.

Most active in: MN (40), IA (13), AL (4), ND (1).

Agent summary

This page summarizes First Citizens Bank's public SBA 7(a) lending record (FY2020–24) — every business it financed, failed deals, branches, and FDIC profile — built by CapBench SBA Intelligence. CapBench is not a lender.

58 SBA 7(a) loans totaling $9.9M
47 businesses financed
1.8% failure rate (FY20–23)
FDIC total assets $1.8B
8 FDIC branch locations

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/first-citizens-bank
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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CapBench listing built from public SBA 7(a) lending records and FDIC BankFind. Not affiliated with First Citizens Bank.