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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 more than ten consecutive years, Citizens Financial Services, Inc., holding company for First Citizens Community Bank, has ranked as one of the 200 top-performing community banks in the United States by American Banker magazine.  

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Our Promise

At First Citizens Community Bank, we continue to make your success and the success of our communities our mission! 

To ensure our long-term survival as a highly successful independent community bank by consistently exceeding customer expectations, cultivating effective employees, delivering superior shareholder value and exhibiting social responsibility and good citizenship.

Our Vision Statement

I. Exceed Customer Expectations

  • Make every customer feel significant - Effectively execute on our core service standards.
  • Market to a Segment of One - Segment customers and use a variety of methods to continuously identify their needs and priorities, their satisfaction with our ability to meet those needs and their loyalty to First Citizens.
  • Identify and reward loyal customers.

II. Cultivate Effective Employees – Great Service comes from Great Employees

Provide employees with the knowledge, skills, and motivation to perform consistently well. First Citizens Community Bank is committed to cultivating and preserving a culture of diversity and inclusion. All employees are expected to exhibit conduct that reflects inclusion during work, at work functions on or off the work site, and at all other company-sponsored and participative events. 

  • Ensure Integrity at the Top – People don't follow a person they don't trust.
  • Create a fun-filled, passionate work environment.
  • Consistently hire the best and the brightest.
  • Train them well.
  • Empower them with the authority to solve customer problems and reward customer loyalty.
  • Respect them.
  • Reward Them – Understand what motivates employees, create an environment for them to motivate themselves, and reward desired positive behavior in a timely manner.

III. Deliver Superior Shareholder Value

Provide a return on equity that consistently exceeds our peers and meets shareholder expectations.

Operate and manage the bank in a cost-efficient manner which contributes to the overall financial performance without sacrificing customer service and satisfaction.

Identify, assess and monitor all risks of the bank in such a manner that allows us to maximize returns within our accepted risk tolerance levels.

IV. Exhibit Social Responsibility and Good Citizenship

Answer the Call - Be proactive in contributing knowledge, skills, time and money to organizations within our community who impact its economic and social vitality.

Encourage Employee Participation - Support and encourage employee involvement in schools, community groups, professional associations and charities.

Be a leader and role model for other organizations. 

Our Products and Services

The foundation of our financial strength lies in our ability to understand and proactively satisfy our customer needs. Our proactive approach to taking care of customers makes us different from other financial service providers in our market. 

We're committed to understanding our customers and offering loans and accounts that fulfill the needs of people living in our neighborhoods. Here are just a few of the accounts we've designed to better serve you: 

Vantage Checking

This free checking account actually pays you — in high-interest rewards and nationwide ATM fee refunds.* 

Mortgage and Home Equity Loans

You make the memories; we make them possible with a robust line of loan products from traditional, conforming and construction mortgages to VA Loans for veterans and FHA loans for those with little or no money down.

Commercial Real Estate Loans

We understand small businesses are the backbone of our local economy. This is why First Citizens offers real estate loans with in-house processing, so whether it's expansion or construction, your business can keep up with the market standards.

Agriculture Loans

Agriculture has always been a huge part of our local communities. See us about agriculture loans, from livestock to operating expenses.

Business Services

We offer a suite of business services designed to save you time and money, so you can focus on running your business. Talk to a First Citizens service representative about tailoring a plan to your business' needs.

Investments and Trust

Let First Citizens, an objective third party, handle important financial matters — from planning, administration, and managing various types of trusts and estates.

Our History

On June 29, 2012, we elected to change our name to First Citizens Community Bank and to become a state-chartered bank because we believe this better represents who we are. Originally, the bank was formed to fulfill a need for local financial support to assist with the development of the community — and developing the communities we serve remains a priority for our organization. 

Our roots go back to 1872 when Andrew Ross and Philip Williams opened the first bank in Mansfield, the Ross and Williams Bank. After numerous mergers and acquisitions, we've grown to over $1.3 billion in assets and are operating 28 offices throughout Northern and Southern Pennsylvania, as well as New York. 

Our Philosophy

A simple philosophy can lead a company to great rewards. Treat your customers, your employees and your communities with respect and you will earn their loyalty. Our strategy has never been about selling products but instead about finding ways to help make life more rewarding for our customers. We remain committed to helping our communities thrive by dedicating time and money, knowledge and skills, to organizations and activities that impact our economy and social vitality.