First-Citizens Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First-Citizens Bank & Trust Company is the 19th-largest bank in the United States, with $236.3 billion in assets at June 30, 2026, up 3.0% from a year earlier. It is headquartered in Raleigh, North Carolina, and operates 517 domestic branches. It grew deposits 8.5% over the year, about double the median of 3.9% for the 14 banks with $100 billion to $250 billion in assets. It also carries problem assets equal to 7.4% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 5.2%).
As of June 30, 2026, First-Citizens Bank & Trust Company reported a CET1 capital ratio of 12.41%, a return on assets of 1.09%, a nonperforming-loan ratio of 1.12% and a Texas ratio of 7.42%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 239 Fayetteville St, Raleigh, NC 27601
- County
- Wake
- Metro Area
- Raleigh-Cary, NC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1898
- Offices
- 517 domestic
- Employees (FTE)
- 18,010
- Domestic deposits
- $173.95B
- Allowance for credit losses
- $1.48B
- Net charge-offs (YTD)
- $220.0M
- Average total assets
- $235.14B
- Average total loans
- $148.64B
- Average interest-bearing deposits
- $129.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11063
- Fed RSSD
- 491224
- SEC CIK
- 798941 → filed by FIRST CITIZENS BANCSHARES, INC.
- Website
- www.firstcitizens.com →
- Parent Holding Company
- FIRST CITIZENS BANCSHARES, INC. (RSSD 1075612) · FCNCA
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Frank B Holding Jr | CEO | Chairman and CEO |
| Peter M Bristow | PRES | President |
| Craig L Nix | CFO | Chief Financial Officer |
| Smith Gregory Lewis | COO | Chief Operating Officer |
| Eklund Tom Adam | CRO | Chief Risk Officer |
| Andrew Giangrave | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First-Citizens Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First-Citizens Bank & Trust Company, freeFirst-Citizens Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.09% | 1.38% | 7.42% | 3.14% |
| Q1 2026 | 12.59% | 0.96% | 1.39% | 7.17% | 3.09% |
| Q4 2025 | 12.55% | 1.06% | 1.34% | 6.79% | 3.26% |
| Q3 2025 | 12.35% | 1.00% | 1.36% | 7.20% | 3.30% |
| Q2 2025 | 12.85% | 1.05% | 1.37% | 6.54% | 3.28% |
| Q1 2025 | 13.16% | 0.88% | 1.28% | 6.21% | 3.22% |
| Q4 2024 | 13.34% | 1.24% | 1.22% | 5.75% | 3.31% |
| Q3 2024 | 13.26% | 1.15% | 1.31% | 6.10% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 518 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Www.Firstcitizens.Com Branch | Raleigh , NC | 27609 | $51.76B |
| Santa Clara Branch | Santa Clara , CA | 95054 | $42.89B |
| First-Citizens Bank & Trust Company (main office) | Raleigh , NC | 27601 | $14.94B |
| North Hills Branch | Raleigh , NC | 27609 | $1.00B |
| Charlotte Branch | Charlotte , NC | 28202 | $744.2M |
| Columbia First Citizens Branch | Columbia , SC | 29201 | $741.2M |
| Palo Alto Branch | Palo Alto , CA | 94301 | $676.0M |
| Santa Monica Wilshire Branch | Santa Monica , CA | 90401 | $601.6M |
| Smithfield Branch | Smithfield , NC | 27577 | $585.0M |
| 53 State Street Branch | Boston , MA | 02109 | $527.5M |
| Cherokee Branch | Cherokee , NC | 28719 | $455.5M |
| Jacksonville Branch | Jacksonville , NC | 28546 | $441.4M |
| Beverly Hills Office | Beverly Hills , CA | 90212 | $440.6M |
| Hendersonville Branch | Hendersonville , NC | 28739 | $432.0M |
| Bayshore Branch | Coconut Grove , FL | 33133 | $430.1M |
| Winston Salem-Main Branch | Winston Salem , NC | 27103 | $398.8M |
| Encino Branch | Encino , CA | 91436 | $390.7M |
| Sacramento Branch | Sacramento , CA | 95864 | $386.3M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $378.4M |
| Olde Raleigh Branch | Raleigh , NC | 27612 | $371.4M |
| Folsom Branch | Folsom , CA | 95630 | $368.6M |
| La Brea Branch | Los Angeles , CA | 90036 | $345.3M |
| Asheville Branch | Asheville , NC | 28801 | $338.0M |
| Greenville Medical Center Branch | Greenville , NC | 27834 | $333.2M |
| Ocean Park Branch | Santa Monica , CA | 90405 | $319.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 27, 2023 | M&A | Acquired Silicon Valley Bridge Bank, N.A. merger for the acquired bank | SEC |
| March 27, 2023 | Structure Change | Acquired Silicon Valley Bridge Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 4, 2022 | M&A | Acquired CIT Group Inc. merger for the acquired bank | SEC |
| January 4, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 4, 2022 | Structure Change | Acquired CIT Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2020 | Structure Change | Acquired Gwinnett Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2020 | M&A | Acquired Gwinnett Community Bank merger for the acquired bank | SEC |
| February 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | M&A | Acquired Entegra Financial Corp. merger for the acquired bank | SEC |
| January 1, 2020 | Structure Change | Acquired Entegra Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | M&A | Acquired First South Bank merger for the acquired bank | SEC |
| May 1, 2019 | Structure Change | Acquired First South Bancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2019 | M&A | Acquired Biscayne Bank merger for the acquired bank | SEC |
| April 2, 2019 | Structure Change | Acquired Biscayne Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | M&A | Acquired Palmetto Heritage Bank & Trust merger for the acquired bank | SEC |
| November 1, 2018 | Structure Change | Acquired Palmetto Heritage Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2018 | M&A | Acquired Securant Bank & Trust merger for the acquired bank | SEC |
| October 2, 2018 | Structure Change | Acquired Capital Commerce Bancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2018 | M&A | Acquired Homebanc merger for the acquired bank | SEC |
| May 1, 2018 | Structure Change | Acquired Homebancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2017 | Structure Change | Acquired Guaranty Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 6, 2017 | M&A | Acquired Guaranty Bank failure_government_assistance_provided for the acquired bank | SEC |
| May 5, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 14, 2017 | M&A | Acquired Harvest Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| January 14, 2017 | Structure Change | Acquired Harvest Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 13, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 34 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First-Citizens Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.4% of deposits in NC, rank 3 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 22,938 applications, 14,381 loans originated, $5.03B originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 112 loans, $129.5M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First-Citizens Bank & Trust Company
What are First-Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, First-Citizens Bank & Trust Company reported total assets of $236.32 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First-Citizens Bank & Trust Company headquartered?
First-Citizens Bank & Trust Company is headquartered in Raleigh, NC, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First-Citizens Bank & Trust Company founded?
First-Citizens Bank & Trust Company was established in 1898, per the FDIC institution directory.
Is First-Citizens Bank & Trust Company FDIC-insured?
Yes. First-Citizens Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #11063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First-Citizens Bank & Trust Company?
First-Citizens Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First-Citizens Bank & Trust Company's CET1 capital ratio?
First-Citizens Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does First-Citizens Bank & Trust Company operate?
First-Citizens Bank & Trust Company operates 517 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First-Citizens Bank & Trust Company's Texas Ratio?
First-Citizens Bank & Trust Company's Texas Ratio is 7.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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