First Citizens Bank

BankLuverne, Alabama
www.fcbl.com

Total Assets

$400.5M

Total Deposits

$342.3M

Branches

5

Established

1980

TFS Health Grade

$
D+

68.4 / 100

Below average financial health

How we grade

First Citizens Bank is a bank headquartered in Luverne, Alabama, established in 1980. With $400.5M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (68.4/100).

Capital & Safety

Tier 1 Capital Ratio
13.85%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.38%

Profitability

Return on Assets (ROA)
1.56%(1%)
Return on Equity (ROE)
13.55%(10%)
Net Interest Margin
4.20%
Efficiency Ratio
53.29%(60%)

Lending & Liquidity

Total Loans
$224.2M
Loan-to-Deposit Ratio
64.65%
Net Charge-Off Ratio
0.46%

Growth

Asset Growth (YoY)
+5.86%
Deposit Growth (YoY)
+5.42%
Net Income
$6.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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