FIRST-CITIZENS BANK & TRUST COMPANY

RALEIGH, NC | National | Est. Jan. 1, 1898, midnight | FDIC #11063 | RSSD #491224 | FDIC
Latest Report: 2025-12-31

FIRST-CITIZENS BANK & TRUST COMPANY is ann national FDIC-insured commercial bank headquartered in RALEIGH, NC, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $229.3B and total deposits of $162.1B. Profitability stands at 1.07% ROA and 10.82% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 12.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 5.76%. FDIC Certificate #11063.

Assets

$229.3B

Deposits

$162.1B

Loans

$148.7B

Equity

$23.4B

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 10.82%
Net Interest Margin (NIM) 3.29%
Yield on Assets 5.53%
Cost of Funds 3.67%

Asset Quality

NPL Ratio 0.89%
Net Charge-Off Ratio 0.43%
Texas Ratio 5.76%
NPA Ratio 0.63%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 12.55%
Tier 1 Capital 12.55%
Total Capital Ratio 13.62%
Leverage Ratio 9.79%
Loan-to-Deposit 91.76%

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