First Citizens Bank (Luverne, AL)
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Data as of · sourced from FFIEC call reports. How we update
First Citizens Bank is an FDIC-insured commercial bank headquartered in Luverne, AL, established in 1980 (FDIC certificate 23152), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $402.6M, up 6.4% from Q2 2025, the 37th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.30% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23152
- Headquarters
- Luverne, AL
- Established
- 1980
- Total assets, Q2 2026
- $402.6M
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 14.30%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 062103217
- Latest call report
- Q2 2026, FFIEC 041 · First Citizens Bank call report
- Holding company
- FIRST CITIZENS-CRENSHAW BANCSHARES, INC.
- Asset rank in state
- 37th of 93 in Alabama
First Citizens Bank runs leaner than most banks of its size. It reported $403 million in assets at June 30, 2026, up 6.4% from a year earlier. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $2.15 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.76% of loans from 1.38%. Earnings jumped: net income for the quarter was $2.2 million, 31% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 9.0% of the capital and reserves that would absorb them, 3.4 times the median of 2.6% for banks its size.
As of June 30, 2026, First Citizens Bank reported a return on assets of 2.15%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 9.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Citizens Bank is the 37th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $402.6M, loans fell 1.0% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.3% of total loans, ahead of owner-occupied commercial real estate loans at 19.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in AL; its Luverne office books 52% of its branch deposits. On its Q2 2026 call report, First Citizens Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 W 3rd St, Luverne, AL 36049
- County
- Crenshaw
- 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 8, 1980
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $344.1M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $406.4M
- Average total loans
- $233.0M
- Average interest-bearing deposits
- $246.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 8, 1980
- FDIC Cert
- 23152
- Fed RSSD
- 541231
- SEC CIK
- 814134 → filed by FIRST CITIZENS-CRENSHAW BANCSHARES, INC.
- Website
- www.fcbl.com →
- Parent Holding Company
- FIRST CITIZENS-CRENSHAW BANCSHARES, INC. (RSSD 1143379)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Citizens Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Citizens Bank's total assets ranged from $345.5M (Q3 2023) to $402.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$402.6M total assets against $378.5M; $351.2M total liabilities against $335.0M.
$228.5M net loans and leases against $210.0M; $344.1M total deposits against $326.9M.
$136.1M securities against $124.4M; $15.8M cash and balances due against $16.2M.
$5.5M total interest income against $5.1M; $1.4M total interest expense against $1.4M.
$4.1M net interest income against $3.8M.
$1.0M total noninterest income against $597K; $2.3M total noninterest expense against $2.2M.
$50K provision for credit losses against $50K.
$2.2M net income against $1.7M.
2.15% return on assets against 1.77%; 4.45% net interest margin against 4.29%.
14.30% tier 1 leverage ratio against 13.91%.
Inside the full First Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Citizens Bank rankings
Its closest position to the top of a national ranking is 348 of 3,611, for ROA; its furthest is 2,041 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.25% (Q3 2024) to 2.15% (Q2 2026) and its net interest margin ran from 3.97% (Q4 2024) to 4.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.30% | 2.15% | 0.76% | 9.05% | 4.45% |
| Q1 2026 | 13.92% | 1.83% | 1.25% | 11.49% | 4.33% |
| Q4 2025 | 13.85% | 1.53% | 1.38% | 12.07% | 4.35% |
| Q3 2025 | 14.12% | 1.44% | 1.54% | 13.01% | 4.38% |
| Q2 2025 | 13.91% | 1.77% | 1.38% | 13.19% | 4.29% |
| Q1 2025 | 13.81% | 1.59% | 3.35% | 15.69% | 4.15% |
| Q4 2024 | 13.37% | 1.47% | 3.10% | 15.27% | 3.97% |
| Q3 2024 | 13.47% | 1.25% | 3.11% | 14.73% | 4.04% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Citizens Bank (main office) | Luverne , AL | 36049 | $178.1M |
| Hayneville Facility | Hayneville , AL | 36040 | $64.9M |
| Greenville Branch | Greenville , AL | 36037 | $64.5M |
| Highland Home Branch | Highland Home , AL | 36041 | $22.6M |
| Fort Deposit Branch | Fort Deposit , AL | 36032 | $14.0M |
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 20, 2010 | Structure Change | Acquired First Lowndes Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 19, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 54 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 105 applications, 103 loans originated, $13.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Citizens Bank
What are First Citizens Bank's total assets?
As of the Q2 2026 filing, First Citizens Bank reported total assets of $402.6 million in its FFIEC call report.
Where is First Citizens Bank headquartered?
It is headquartered in Luverne, AL, United States.
When was First Citizens Bank founded?
It was established in 1980, per the FDIC institution directory.
Is First Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23152). 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?
First Citizens Bank's primary federal regulator is the FDIC.
How many branches does First Citizens Bank operate?
It operates 5 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's Texas Ratio?
Its Texas Ratio is 9.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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