First Citizens Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 309.68 percentage points higher than in Q1 2026, at 513.74%. Among 225 Iowa banks, First Citizens Bank sits 20th from the top on return on assets, 2.22% as of Q2 2026. First Citizens Bank's return on assets of 2.22% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.95 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 11.96% |
| Equity capital to assets | 11.42% |
| Tangible equity to tangible assets | 11.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 2.11% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 513.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.22% |
| Return on equity | 19.98% |
| Net interest margin | 3.58% |
| Efficiency ratio | 44.23% |
| Yield on earning assets | 5.49% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.31% |
| Core deposits to total deposits | 86.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.69% |
| Securities to assets | 19.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.31% | 12.31% | 13.32% | 11.89% | 1.44% |
| Q4 2023 | 11.96% | 11.96% | 12.97% | 11.56% | 1.22% |
| Q1 2024 | 11.77% | 11.77% | 12.77% | 11.51% | 1.12% |
| Q2 2024 | 11.70% | 11.70% | 12.71% | 11.38% | 1.27% |
| Q3 2024 | 12.23% | 12.23% | 13.30% | 11.08% | 1.57% |
| Q4 2024 | 12.50% | 12.50% | 13.64% | 11.20% | 1.32% |
| Q1 2025 | 12.76% | 12.76% | 13.93% | 11.24% | 1.58% |
| Q2 2025 | 12.85% | 12.85% | 14.07% | 11.18% | 1.49% |
| Q3 2025 | 13.30% | 13.30% | 14.55% | 11.25% | 1.31% |
| Q4 2025 | 13.68% | 13.68% | 14.93% | 11.48% | 2.20% |
| Q1 2026 | 13.84% | 13.84% | 15.09% | 12.08% | 1.92% |
| Q2 2026 | 13.75% | 13.75% | 14.96% | 11.96% | 2.22% |
First Citizens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4433) · FFIEC NIC profile (RSSD 186744)