Skip to content

View all posts

FCCB Ranked #1 Bank in Pennsylvania and 55th Nationwide by American Banker


For the 15th consecutive year, FCCB (First Citizens Community Bank) has been recognized by American Banker as one of the top performing community banks, ranking first in the state of Pennsylvania where they are headquartered, and 55th in the nation. For this ranking, financial institutions are grouped by asset size and ranked based on three-year average return on equity from 2019 to 2021. In 2021, FCCB exceeded the $2 billion asset mark, resulting in a new peer group for comparison.

According to Claude Hanley, a partner at Capital Performance Group on behalf of American Banker, “Community banks with mortgage operations and competitive commercial lines of business were among those to win loans… and to drive organic growth.” Such proved to be true for FCCB, who reached an all-time high for consumer and business loan production during the pandemic while maintaining a low ratio of non-performing assets.

“FCCB is honored to be recognized once again by American Banker for our financial performance,” said Randall Black, CEO and President. “For over 150 years, we’ve built our reputation on being there for our customers and our communities, in good times and in bad. That has created tremendous customer loyalty which in turn provides the financial stability to expand into new markets, offer an extensive line of services for consumers and businesses, and implement the technology necessary to remain efficient and relevant. To be continuously ranked as a top-performing community bank is a testament to our values, to our ability to execute on a well-defined strategic plan, and to the incredibly hard work of our team.”

FCCB, whose initial footprint was the northern tier of Pennsylvania, has grown significantly over the past 7 years and is now $2.2 billion in assets operating 31 branches in 3 states. They now operate offices in Lebanon, Lancaster, Schuylkill, Centre, Clinton and Chester counties in PA, Wellsville NY, and in 2019 extended into the state of Delaware serving New Castle and Kent Counties. FCCB recently announced plans to open their 32nd office in Ephrata, PA and 33rd office in Greenville, DE before year end.

Citizens Financial Services, Inc., the holding company for FCCB, began trading on the Nasdaq Capital Market on June 3, 2022 under the Company’s current ticker symbol CZFS. The uplisting represented a significant milestone for the Company according to Black. “In addition to raising our overall profile, we anticipate the uplisting will improve the liquidity of our stock, provide us with better access to capital and improved means to use our stock as acquisition considerations, and ultimately enhance long-term shareholder value.”  Black, accompanied by his Board of Directors and senior management team will travel to NYC on September 6th to ring the closing bell on Nasdaq.

In addition to recognition for financial performance, FCCB has a history of being recognized for the value they place on social responsibility and good citizenship. Their efforts resulted in FCCB being ranked one of the top five banks in PA for their customer service efforts during the Pandemic. And in 2021, FCCB was recognized as a runner up for the Corporate Philanthropy Award, which recognizes a corporation or corporate foundation that demonstrates outstanding commitment through financial support and volunteerism, and one who encourages and motivates others to take philanthropic leadership roles in the community.

For more information about First Citizens, visit or find them on Facebook.