Bank call report · Luverne, AL
First Citizens Bank Call Report
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First Citizens Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 290 reported line items, schedule by schedule (591 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 541231 |
| FDIC certificate number | 23152 |
| Total assets | $402.6M |
Official Q2 2026 call report PDF (FFIEC) →
First Citizens Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · First Citizens Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $402.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $402.6M |
| Total Liabilities and Minority Interest | RCON2948 | $351.2M |
| Total Deposits | RCON2200 | $344.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $254.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $231.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $228.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $136.1M |
| Deposits: Noninterest-bearing | RCON6631 | $89.5M |
| Total Equity Capital | RCON3210 | $51.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $51.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $50.4M |
| Other Assets | RCON2160 | $15.6M |
| Surplus | RCON3839 | $7.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$6.7M |
| Federal Funds Sold | RCONB987 | $6.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.0M |
| Other Liabilities, Total | RCON2930 | $4.6M |
| Interest-bearing Balances | RCON0071 | $4.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.5M |
| Other Real Estate Owned | RCON2150 | $3.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.0M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $2.5M |
| Common Stock | RCON3230 | $21K |
Schedule RI: Income Statement (42 items)
About Schedule RI · First Citizens Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $10.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.5M |
| Net Interest Income | RIAD4074 | $8.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $5.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $5.2M |
| Total Noninterest Expense | RIAD4093 | $4.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.0M |
| Net Income (Loss) | RIAD4340 | $4.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.0M |
| Total Interest Expense | RIAD4073 | $2.7M |
| Salaries and Employee Benefits | RIAD4135 | $2.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.2M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Total Noninterest Income | RIAD4079 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.4M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.4M |
| Other Noninterest Income | RIADB497 | $1.2M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $848K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $631K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $546K |
| Interest on Other Securities | RIAD4060 | $546K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $437K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $347K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $317K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $266K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $263K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $175K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $141K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $128K |
| Provision for Loan and Lease Losses | RIAD4230 | $100K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $100K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $85K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $67K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$65K |
| Other Interest Income | RIAD4518 | $45K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $42K |
| Trading Revenue | RIADA220 | $24K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 59 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (3 items)
Schedule RC-B: Securities (25 items)
About Schedule RC-B · First Citizens Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $7.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $7.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $71.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $67.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $9.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $9.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $145.1M |
| Pledged Securities | RCON0416 | $70.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $44.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $42.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $41.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $34.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $31.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $11.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $7.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $7.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $7.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $563K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $300K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $298K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $298K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $298K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · First Citizens Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $231.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $91.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $53.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $45.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $43.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $41.7M |
| Pledged Loans and Leases | RCONG378 | $36.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $36.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $32.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $32.4M |
| Commercial and Industrial Loans | RCON1766 | $32.1M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $32.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $26.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $21.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $20.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $15.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $14.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $11.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $8.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $5.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $3.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $3.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $2.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $2.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $1.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $316K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $60K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $60K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $13K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $20.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $8.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $3.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $2.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $704K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 350 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 136 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 83 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 49 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 45 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 44 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 24 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 15 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 5 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · First Citizens Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $179.1M |
| Total Transaction Accounts | RCON2215 | $165.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $150.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $104.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $89.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $71.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $60.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $49.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $48.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $46.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $43.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $34.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $33.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $33.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $29.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $25.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $19.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $14.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $9.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $832K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $25K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $9.1M |
| Net Deferred Tax Assets | RCON2148 | $3.3M |
| Accrued Interest Receivable | RCONB556 | $2.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $771K |
| Other Assets | RCON2168 | $196K |
| Other Repossessed Assets (Net) | RCON1578 | $18K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.1M |
| Deferred Compensation Liabilities | RCONC011 | $2.1M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.4M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $615K |
| Other Expenses Accrued and Unpaid | RCON3646 | $34K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · First Citizens Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $406.4M |
| Quarterly Average of Total Loans | RCON3360 | $233.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $94.6M |
| Mortgage-backed Securities | RCONB559 | $83.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $77.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $69.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $69.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $52.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $46.6M |
| All Other Securities | RCONB560 | $38.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $31.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $12.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $11.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $10.9M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $6.8M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $4.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · First Citizens Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $10.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $9.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $8.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $8.2M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.3M |
| Commercial and Similar Letters of Credit | RCON3411 | $1.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $668K |
| Written OTC Interest Rate Option Contracts | RCON8709 | $668K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $7K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · First Citizens Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: Farmland in Domestic Offices | RCON5509 | $3.0M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $212K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $53K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · First Citizens Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $905K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $453K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $443K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $347K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $272K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $226K |
| Additions to Nonaccrual Assets | RCONC410 | $90K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $67K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $47K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $44K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $36K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $28K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $13K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $8K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $5K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First Citizens Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $404.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $345.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $186.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $149.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $57.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $8.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 11,976 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 219 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 195 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · First Citizens Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $406.4M |
| Average total consolidated assets | RCOAKW03 | $406.4M |
| Total Assets | RCOA2170 | $402.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $58.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $58.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $58.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $51.4M |
| Retained Earnings | RCOAKW00 | $50.4M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $40.1M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $39.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$6.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$6.7M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.0M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.143 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0995 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $51.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $48.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $48.8M |
| Other Comprehensive Income | RIADB511 | -$845K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $610K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · First Citizens Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $59K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $58K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $29K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $29K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $28K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $11K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $6K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $4K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $4K |
| Recoveries on All Other Loans | RIAD4628 | $3K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $3K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
| Recoveries on Loans to Credit Cards | RIADB515 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · First Citizens Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $58K |
Schedule RI-E: Explanations (4 items)
First Citizens Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Citizens Bank call report?
The First Citizens Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Citizens Bank file?
First Citizens Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Citizens Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Citizens Bank has Federal Reserve RSSD ID 541231 and FDIC certificate number 23152. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Citizens Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Citizens Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 23152) · FFIEC NIC profile (RSSD 541231)