First-Citizens Bank & Trust Company

BankRaleigh, North Carolina
www.firstcitizens.com

Total Assets

$229.3B

Total Deposits

$162.1B

Branches

519

Established

1898

TFS Health Grade

$
C

75.6 / 100

Average financial health

How we grade

First-Citizens Bank & Trust Company is a bank headquartered in Raleigh, North Carolina, established in 1898. With $229.3B in total assets and 519 branch locations, it has a TFS Financial Health Grade of C (75.6/100). The CFPB has received 100 consumer complaints about this institution.

Capital & Safety

Tier 1 Capital Ratio
9.79%(8%)
Total Capital Ratio
13.62%(10%)
Non-Performing Loan Ratio
1.05%

Profitability

Return on Assets (ROA)
1.00%(1%)
Return on Equity (ROE)
10.20%(10%)
Net Interest Margin
3.30%
Efficiency Ratio
62.36%(60%)

Lending & Liquidity

Total Loans
$148.7B
Loan-to-Deposit Ratio
90.80%
Net Charge-Off Ratio
0.45%

Growth

Asset Growth (YoY)
+2.59%
Deposit Growth (YoY)
+4.18%
Net Income
$2.3B

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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