Compared with Pennsylvania
10 of 20
compared fees are above the median.
5 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
43rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 20 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for First Citizens Community Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Citizens Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (43rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $566K in Q2 2026, 7.6% above the same quarter a year earlier ($526K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 20 compared published fees sit above the Pennsylvania median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $22.50, the middle of its prices
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.7% from Q3 2025 to Q2 2026, to $566K. Its share of revenue, 1.9%, is below the 2.2% median for banks with $1B to $10B in assets.
$566K
First Citizens Community BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
First Citizens Community Bank · $3.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Citizens Community Bank(this institution) | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Austin Bank, Texas National Association | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankFirst Financial Services | Columbus, MS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fidelity Bank, National Association | Wichita, KS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Ridge Bank | Middleton, WI | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lawrence Bank | Nashville, TN | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lone Star National Bank | Pharr, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mascoma Bank | Lebanon, NH | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midwest BankCentre | Lemay, MO | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North American Savings Bank, F.S.B. | Grandview, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Oakstar Bank | Springfield, MO | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Community Bank | Doylestown, PA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| STAR Financial Bank | Fort Wayne, IN | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stearns Bank National Association | Saint Cloud, MN | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Savings Bank | Danbury, CT | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity Bank | Clinton, NJ | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WestStar Bank | El Paso, TX | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $4, against a peer median of $8 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for First Citizens Community Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $566K | −$26K | −4.4% |
| Q1 2026 | $592K | −$6K | −1.0% |
| Q4 2025 | $598K | +$22K | +3.8% |
| Q3 2025 | $576K | +$50K | +9.5% |
| Q2 2025 | $526K | +$5K | +1.0% |
| Q1 2025 | $521K | −$53K | −9.2% |
| Q4 2024 | $574K | $0 | 0.0% |
| Q3 2024 | $574K | +$13K | +2.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Citizens Community Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Citizens Community Bank by share.
Amounts from First Citizens Community Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
per month
per hour · Account Reconcilement | $20/hr
per hour
per item
per month
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month |
| Close Account (within 6 months of opening) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (charged after 24 months of inactivity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconcilement | $20/hr |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statement for invalid address | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Paid Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Online Bill Pay Returned Item Fee | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Debit card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer Outgoing (Domestic) (customers only) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming (customers only) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing (International) (customers only) | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check fee (Customers only) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Consumer Bill Pay Fee | $2.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited Item Returned | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| 2x5, 3x5, 5x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x10, 3x11 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x10, 5x11 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drill and Replace Locks Fee | $100Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 13x15 | $300Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 15x10 | $300Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x5 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment, IRS Levy, Interrogatory Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late Payment Fee (after 30 days) | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Administration Fee for Premature Distributions | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| IRA External Transfer Fee prior to maturity | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Loan Payoff Letter | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Citizens Community Bank operates, and what regulators and customers have on file.
Branch footprint
44 offices in 4 states, $2.4B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 21 | $1.3B |
| 13 | $592.0M | |
| 3 | $307.6M | |
| 1 | $83.7M | |
| 3 | $61.3M | |
| 1 | $47.8M | |
| 1 | $19.4M | |
| 1 | $13.1M |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
0.1% of bank deposits, #32 of 88, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 45.7% |
| TD Bank, National Association | 13.4% |
| Barclays Bank Delaware | 5.2% |
| Wells Fargo Bank, National Association | 5.1% |
| PNC Bank, National Association | 4.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, First Citizens Community Bank holds 0.1% of bank deposits, #32 of 88, with 13 offices.
899 offices of 28 institutions shown.
Showing 899 of 1,635 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 88 institutions shown. $685.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2020 to 2026
June 2026: 0.1% share, 13 offices, #32 of 88
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2020 to 2026.
Credit unions, reported separately
309 offices of 89 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
CITIZENS FINANCIAL SERVICES INC (Nasdaq: CZFS)
Consolidated assets
$3.2B
Shareholders' equity
$352.8M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 739421. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.