Lender record
First Citizens Community Bank
The real lending record — every figure below is drawn from public SBA 7(a) loan records (FY2020–present): the loans First Citizens Community Bank funded, the businesses, the branches, and its FDIC profile. HQ: 15 S Main St, Mansfield, PA. 45 branches.
11
Recent deals (FY20+)
$300K
Typical deal
—
Approval → funding
Where First Citizens Community Bank lends
Deals First Citizens Community Bank funded — list all 11 as text
- Alexander Beverage Inc. — Mansfield · $172K · FY2026 · Beer, Wine, and Liquor Retailers
- Salamander Books, LLC — Annville · $520K · FY2024 · Motion Picture Theaters (except Drive-Ins)
- B & H Beverage, Inc. — Elkland · $340K · FY2024 · Beer and Ale Merchant Wholesalers
- E & R SEEDING — Osceola · $195K · FY2023 · Landscaping Services
- WILSTON-CURRIE FUNERAL HOME AND CREMATION SERVICES — Mansfield · $147K · FY2023 · Funeral Homes and Funeral Services
- 4FORESMAN INCORPORATED — Blossburg · $125K · FY2023 · Full-Service Restaurants
- CKO Northern Liberties LLC — Cherry Hill · $225K · FY2022 · Fitness and Recreational Sports Centers
- The Vineyard at Grandview, LLC — Mount Joy · $539K · FY2021 · Grape Vineyards
- BADGES SPORTS BAR & GRILL LLC — Tioga · $340K · FY2020 · Drinking Places (Alcoholic Beverages)
- Xtreme Enterprises, LLC — Wellsboro · $325K · FY2020 · Wireless Telecommunications Carriers (except Satellite)
- LowTides OP LLC — Red Bank · $300K · FY2020 · Metal Household Furniture Manufacturing
Deal profile
Most First Citizens Community Bank deals land between $172K and $340K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Beer, Wine, and Liquor Retailers (1)
- 2.Motion Picture Theaters (except Drive-Ins) (1)
- 3.Beer and Ale Merchant Wholesalers (1)
- 4.Landscaping Services (1)
- 5.Funeral Homes and Funeral Services (1)
- 6.Full-Service Restaurants (1)
- 7.Fitness and Recreational Sports Centers (1)
- 8.Grape Vineyards (1)
Most active states
- 1.Pennsylvania (9 deals)
- 2.New Jersey (2 deals)
Franchises they finance most
Can First Citizens Community Bank fund you? The bank behind the loans
Total assets
$3.2B
▲ 5.5% vs prior quarter
Deposits on hand
$2.4B
▼ 2.3% vs prior quarter
Loans outstanding
$2.4B
▲ 4.4% vs prior quarter
Net income (latest qtr)
$22.0M
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes First Citizens Community Bank more SBA-focused than 16% of the banks on our record.
- •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
- •Return on assets of 1.43% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 06/2026.
Recent deals
- Alexander Beverage Inc. in Mansfield, PA — $172K (2026) · purchase · Beer, Wine, and Liquor Retailers
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $86K (50%)
- Approved
- 2/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Beer, Wine, and Liquor Retailers
If you were the buyer here
- Est. deal size
- $192K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $26K
- Monthly payment
- $1,958
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Salamander Books, LLC in Annville, PA — $520K (2024) · purchase · Motion Picture Theaters (except Drive-Ins)
- Program
- 7a General
- Rate at approval
- 9.5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $390K (75%)
- Approval → funding
- 22 days
- Approved
- 5/30/2024
- First disbursed
- 6/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Motion Picture Theaters (except Drive-Ins)
If you were the buyer here
- Est. deal size
- $578K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $77K
- Monthly payment
- $4,847
- Annual debt service
- $58K
- Cash flow needed (1.25×)
- $73K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- B & H Beverage, Inc. in Elkland, PA — $340K (2024) · purchase · Beer and Ale Merchant Wholesalers
- Program
- 7a General
- Rate at approval
- 11% variable
- Term
- 168 mo (14 yrs)
- SBA guaranteed
- $255K (75%)
- Approved
- 11/16/2023
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Beer and Ale Merchant Wholesalers
If you were the buyer here
- Est. deal size
- $378K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $3,975
- Annual debt service
- $48K
- Cash flow needed (1.25×)
- $60K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- E & R SEEDING in Osceola, PA — $195K (2023) · purchase · Landscaping Services
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.99% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $98K (50%)
- Approval → funding
- 25 days
- Approved
- 7/27/2023
- First disbursed
- 8/21/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Landscaping Services
If you were the buyer here
- Est. deal size
- $217K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $29K
- Monthly payment
- $3,038
- Annual debt service
- $36K
- Cash flow needed (1.25×)
- $46K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- WILSTON-CURRIE FUNERAL HOME AND CREMATION SERVICES in Mansfield, PA — $147K (2023) · Funeral Homes and Funeral Services
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.75% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $73K (50%)
- Approval → funding
- 10 days
- Approved
- 12/12/2022
- First disbursed
- 12/22/2022
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Funeral Homes and Funeral Services
Your business? Claim this record · Request removal
- 4FORESMAN INCORPORATED in Blossburg, PA — $125K (2023) · Full-Service Restaurants
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.99% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $63K (50%)
- Approval → funding
- 1 days
- Approved
- 7/6/2023
- First disbursed
- 7/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Your business? Claim this record · Request removal
- CKO Northern Liberties LLC in Cherry Hill, NJ — $225K (2022) · Fitness and Recreational Sports Centers
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $169K (75%)
- Approval → funding
- 65 days
- Approved
- 12/8/2021
- First disbursed
- 2/11/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- CKO Kickboxing
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Your business? Claim this record · Request removal
- The Vineyard at Grandview, LLC in Mount Joy, PA — $539K (2021) · purchase · Grape Vineyards
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $269K (50%)
- Approval → funding
- 18 days
- Approved
- 11/12/2020
- First disbursed
- 11/30/2020
- Loan status
- Paid in full (3/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Change of Ownership
- Industry
- Grape Vineyards
If you were the buyer here
- Est. deal size
- $598K
- Est. down payment (10%)
- $60K
- Est. cash at closing
- $80K
- Monthly payment
- $5,517
- Annual debt service
- $66K
- Cash flow needed (1.25×)
- $83K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- BADGES SPORTS BAR & GRILL LLC in Tioga, PA — $340K (2020) · purchase · Drinking Places (Alcoholic Beverages)
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.49% fixed
- Term
- 239 months
- SBA guaranteed
- $170K (50%)
- Approval → funding
- 45 days
- Approved
- 6/16/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Drinking Places (Alcoholic Beverages)
If you were the buyer here
- Est. deal size
- $378K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $2,342
- Annual debt service
- $28K
- Cash flow needed (1.25×)
- $35K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Xtreme Enterprises, LLC in Wellsboro, PA — $325K (2020) · Wireless Telecommunications Carriers (except Satellite)
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $163K (50%)
- Approval → funding
- 6 days
- Approved
- 4/24/2020
- First disbursed
- 4/30/2020
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Wireless Telecommunications Carriers (except Satellite)
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Businesses First Citizens Community Bank financed
11 businesses on record. Each links to its full SBA record.
- The Vineyard at Grandview, LLCMount Joy, PA · 1 loan$539K
- Salamander Books, LLCAnnville, PA · 1 loan$520K
- BADGES SPORTS BAR & GRILL LLCTioga, PA · 1 loan$340K
- B & H Beverage, Inc.Elkland, PA · 1 loan$340K
- Xtreme Enterprises, LLCWellsboro, PA · 1 loan$325K
- LowTides OP LLCRed Bank, NJ · 1 loan$300K
- CKO Northern Liberties LLCCherry Hill, NJ · 1 loan$225K
- E & R SEEDINGOsceola, PA · 1 loan$195K
- Alexander Beverage Inc.Mansfield, PA · 1 loan$172K
- WILSTON-CURRIE FUNERAL HOME AND CREMATION SERVICESMansfield, PA · 1 loan$147K
- 4FORESMAN INCORPORATEDBlossburg, PA · 1 loan$125K
Work at First Citizens Community Bank?
Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.
CapBench analysis of public lending records, FY2020–present. Not affiliated with First Citizens Community Bank.
Agent summary
This page summarizes First Citizens Community Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 11 SBA 7(a) loans on record
- $300K typical deal
- 6 business-acquisition loans
- HQ: 15 S Main St, Mansfield, PA
- FDIC total assets $3.2B
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-11.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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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