About First Citizens Community Bank…
The ultimate goal of everything we do at First Citizens Community Bank is to support the growth of the communities we serve...and we've been doing it for over 100 years. We provide customers with the ability to own their own home, send their children to college, and retire in a lifestyle to which they are accustomed. We provide loans to small businesses and municipalities, keeping jobs local and business communities healthy. And, we support our communities through economic contributions and the civic involvement of our employees.
An organization must be financially strong to sustain this commitment. For the sixth consecutive year, Citizens Financial Services, Inc., holding company for First Citizens Community Bank, was ranked one of the 200 top-performing community banks in the United States by American magazine. For 2012, our Company placed #1, up from 5th the previous two years.
- Despite the unstable economic environment, First Citizens continues to achieve strong financial performance.
- We continuously adhere to the fundamentals of safety and soundness, sound underwriting and due diligence which greatly limits the impact of credit risk on our organization.
- At First Citizens, our capital is strong and our performance solid. These positive conditions provide us with the opportunity to grow our company and meet the lending needs of both the retail and commercial customer in our markets.
The foundation of our financial strength lies in our ability to understand and proactively satisfy our customer needs. We believe our proactive approach to taking care of customers makes us different from other financial service providers in our market. It enables us to understand what's important to consumers and businesses, to understand what they are trying to accomplish and to determine the most effective way to communicate solutions. We then turn discovery into action. The results - we have the right products, the right people, the right solutions and we have the commitment! I invite you to experience this commitment for yourself.
Randall E. Black
CEO and President
First Citizens Community Bank…Where Your Success is Our Mission