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 First Citizens Bank Mason City, IA Rates & Review July 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: July 11, 2026
First Citizens Bank Mason City, IA's 36-Months 36-Month Term rates are at 3.55%, 48-Months 48-Month Term rates are at 3.55%, 60-Months 60-Month Term rates are at 3.55%, 36-Months 36-Month Term rates are at 3.44%, 48-Months 48-Month Term rates are at 3.44%. First Citizens Bank Mason City, IA's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of First Citizens Bank Mason City, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.56%. Rates were last updated on 07/11/2026. First Citizens Bank Mason City, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Citizens Bank Mason City, IA? Share your experience about First Citizens Bank Mason City, IA by leaving a review below, or read customer reviews before you decide to use First Citizens Bank Mason City, IA. 
First Citizens Bank Mason City, IA CD Rates
First Citizens Bank Mason City, IA Savings Rates
First Citizens Bank Mason City, IA Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Citizens Bank Mason City, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Citizens Bank Mason City, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Citizens Bank Mason City, IA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Citizens Bank Mason City, IA
Bank Holding Company
FIRST CITIZENS FINANCIAL CORP
Address
2601 4th St Sw,
Mason City, IA 50401 · Cerro Gordo
Website
https://www.myfcb.bank
FDIC Certificate #
4433
Established
01/09/1892
FDIC Insurance Date
01/01/1934
Domestic Offices
8
Total Branches
8
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
6.56%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.3736%
Return on Equity (ROE)
14.1400%
Non-Performing Loans (NPL)
0.56%
Total Assets
$1,830,219,000
Total Deposits
$1,610,524,000
Equity Capital
$204,232,000
Net Income
$30,855,000
Headquarters
Mason City
Total Branches and Offices
8
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About First Citizens Bank Mason City, IAHow many branches does First Citizens Bank Mason City, IA operate?First Citizens Bank Mason City, IA currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Citizens Bank Mason City, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Citizens Bank Mason City, IA provides members with tools to manage their accounts and build a solid financial history. Does First Citizens Bank Mason City, IA offer online and mobile banking?Most modern institutions like First Citizens Bank Mason City, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myfcb.bank. Current First Citizens Bank Mason City, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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