FIRST CITIZENS BANK is asn small FDIC-insured commercial bank headquartered in LUVERNE, AL, established in July 8, 1980, midnight. As of 2025-12-31, the bank reported total assets of $400M and total deposits of $342M. Profitability stands at 1.53% ROA and 12.59% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 12.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.23% and a Texas Ratio of 11.44%. FDIC Certificate #23152.
Assets
$400M
Deposits
$342M
Loans
$224M
Equity
$49M
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