FIRST CITIZENS BANK is an 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%. CET1 capital ratio: 12.19%, well above regulatory minimums. NPL ratio: 1.23% · Texas Ratio: 11.44%. Operates 5 domestic branches.
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