First-Citizens Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
First-Citizens Bank & Trust Company is an FDIC-insured commercial bank headquartered in Raleigh, NC, established in 1898 (FDIC certificate 11063), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $236.32B, up 3.0% from Q2 2025, the 3rd largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 12.41% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11063
- Headquarters
- Raleigh, NC
- Established
- 1898
- Total assets, Q2 2026
- $236.32B
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 12.41%
- Domestic offices
- 518 FDIC institution directory, current count
- Routing number
- 053100300
- Latest call report
- Q2 2026, FFIEC 031 · First-Citizens Bank & Trust Company call report
- Holding company
- FIRST CITIZENS BANCSHARES, INC.
- Asset rank in state
- 3rd of 38 in North Carolina
First-Citizens Bank & Trust Company is the 19th-largest bank in the United States, with $236.3 billion in assets at June 30, 2026, up 3.0% from a year earlier. It is headquartered in Raleigh, North Carolina, and operates 518 domestic branches. It grew deposits 8.5% over the year, about double the median of 3.9% for the 14 banks with $100 billion to $250 billion in assets. It also carries problem assets equal to 7.4% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 5.2%).
As of June 30, 2026, First-Citizens Bank & Trust Company reported a CET1 capital ratio of 12.41%, a return on assets of 1.09%, a nonperforming-loan ratio of 1.12% and a Texas ratio of 7.42%. The figures come from its call report filed with the FFIEC.
First-Citizens Bank & Trust Company ranks as the 3rd largest of the 38 banks based in North Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $236.32B, loans rose 0.9% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was loans to nondepository financial institutions, at 27.4% of total loans, ahead of commercial and industrial loans at 23.7%. On its Q2 2026 call report, First-Citizens Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 239 Fayetteville St, Raleigh, NC 27601
- County
- Wake
- Metro Area
- Raleigh-Cary, NC
- 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 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1898
- Domestic offices
- 518 FDIC institution directory, current count
- Employees (FTE)
- 18,010
- Domestic deposits
- $173.95B
- Allowance for credit losses
- $1.48B
- Net charge-offs (YTD)
- $220.0M
- Average total assets
- $235.14B
- Average total loans
- $148.64B
- Average interest-bearing deposits
- $129.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11063
- Fed RSSD
- 491224
- SEC CIK
- 798941 → filed by FIRST CITIZENS BANCSHARES, INC.
- Website
- www.firstcitizens.com →
- Parent Holding Company
- FIRST CITIZENS BANCSHARES, INC. (RSSD 1075612) · FCNCA
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Frank B Holding Jr | CEO | Chairman and CEO |
| Peter M Bristow | PRES | President |
| Craig L Nix | CFO | Chief Financial Officer |
| Smith Gregory Lewis | COO | Chief Operating Officer |
| Eklund Tom Adam | CRO | Chief Risk Officer |
| Andrew Giangrave | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First-Citizens Bank & Trust Company's total assets moved between a low of $213.62B (Q4 2023) and a high of $236.32B (Q2 2026) from Q3 2023 to 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
$236.32B total assets against $229.41B; $213.21B total liabilities against $206.74B.
$149.64B net loans and leases against $139.76B; $173.95B total deposits against $160.30B.
$43.41B securities against $43.25B; $22.27B cash and balances due against $26.79B.
$2.85B total interest income against $2.95B; $1.16B total interest expense against $1.23B.
$1.69B net interest income against $1.72B.
$761.0M total noninterest income against $688.0M; $1.61B total noninterest expense against $1.51B.
-$10.0M provision for credit losses against $114.0M.
$641.0M net income against $596.0M.
1.09% return on assets against 1.05%; 3.14% net interest margin against 3.28%.
12.41% CET1 capital ratio against 12.85%; 9.75% tier 1 leverage ratio against 9.81%.
Inside the full First-Citizens Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst-Citizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 19 of 4,196, for total assets; its furthest is 1,577 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.88% (Q1 2025) to 1.24% (Q4 2024) and its net interest margin ran from 3.09% (Q1 2026) to 3.53% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.09% | 1.12% | 7.42% | 3.14% |
| Q1 2026 | 12.59% | 0.96% | 1.12% | 7.17% | 3.09% |
| Q4 2025 | 12.55% | 1.06% | 1.05% | 6.79% | 3.26% |
| Q3 2025 | 12.35% | 1.00% | 1.11% | 7.20% | 3.30% |
| Q2 2025 | 12.85% | 1.05% | 1.05% | 6.54% | 3.28% |
| Q1 2025 | 13.16% | 0.88% | 0.96% | 6.21% | 3.22% |
| Q4 2024 | 13.34% | 1.24% | 0.92% | 5.75% | 3.31% |
| Q3 2024 | 13.26% | 1.15% | 0.99% | 6.10% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 518 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 |
|---|---|---|---|
| Www.Firstcitizens.Com Branch | Raleigh , NC | 27609 | $51.76B |
| Santa Clara Branch | Santa Clara , CA | 95054 | $42.89B |
| First-Citizens Bank & Trust Company (main office) | Raleigh , NC | 27601 | $14.94B |
| North Hills Branch | Raleigh , NC | 27609 | $1.00B |
| Charlotte Branch | Charlotte , NC | 28202 | $744.2M |
| Columbia First Citizens Branch | Columbia , SC | 29201 | $741.2M |
| Palo Alto Branch | Palo Alto , CA | 94301 | $676.0M |
| Santa Monica Wilshire Branch | Santa Monica , CA | 90401 | $601.6M |
| Smithfield Branch | Smithfield , NC | 27577 | $585.0M |
| 53 State Street Branch | Boston , MA | 02109 | $527.5M |
| Cherokee Branch | Cherokee , NC | 28719 | $455.5M |
| Jacksonville Branch | Jacksonville , NC | 28546 | $441.4M |
| Beverly Hills Office | Beverly Hills , CA | 90212 | $440.6M |
| Hendersonville Branch | Hendersonville , NC | 28739 | $432.0M |
| Bayshore Branch | Coconut Grove , FL | 33133 | $430.1M |
| Winston Salem-Main Branch | Winston Salem , NC | 27103 | $398.8M |
| Encino Branch | Encino , CA | 91436 | $390.7M |
| Sacramento Branch | Sacramento , CA | 95864 | $386.3M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $378.4M |
| Olde Raleigh Branch | Raleigh , NC | 27612 | $371.4M |
| Folsom Branch | Folsom , CA | 95630 | $368.6M |
| La Brea Branch | Los Angeles , CA | 90036 | $345.3M |
| Asheville Branch | Asheville , NC | 28801 | $338.0M |
| Greenville Medical Center Branch | Greenville , NC | 27834 | $333.2M |
| Ocean Park Branch | Santa Monica , CA | 90405 | $319.4M |
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 27, 2023 | M&A | Acquired Silicon Valley Bridge Bank, N.A. merger for the acquired bank | SEC |
| March 27, 2023 | Structure Change | Acquired Silicon Valley Bridge Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 4, 2022 | M&A | Acquired CIT Group Inc. merger for the acquired bank | SEC |
| January 4, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 4, 2022 | Structure Change | Acquired CIT Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2020 | Structure Change | Acquired Gwinnett Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2020 | M&A | Acquired Gwinnett Community Bank merger for the acquired bank | SEC |
| February 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | M&A | Acquired Entegra Financial Corp. merger for the acquired bank | SEC |
| January 1, 2020 | Structure Change | Acquired Entegra Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | M&A | Acquired First South Bank merger for the acquired bank | SEC |
| May 1, 2019 | Structure Change | Acquired First South Bancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2019 | M&A | Acquired Biscayne Bank merger for the acquired bank | SEC |
| April 2, 2019 | Structure Change | Acquired Biscayne Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | M&A | Acquired Palmetto Heritage Bank & Trust merger for the acquired bank | SEC |
| November 1, 2018 | Structure Change | Acquired Palmetto Heritage Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2018 | M&A | Acquired Securant Bank & Trust merger for the acquired bank | SEC |
| October 2, 2018 | Structure Change | Acquired Capital Commerce Bancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2018 | M&A | Acquired Homebanc merger for the acquired bank | SEC |
| May 1, 2018 | Structure Change | Acquired Homebancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2017 | Structure Change | Acquired Guaranty Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 6, 2017 | M&A | Acquired Guaranty Bank failure_government_assistance_provided for the acquired bank | SEC |
| May 5, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 14, 2017 | M&A | Acquired Harvest Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| January 14, 2017 | Structure Change | Acquired Harvest Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 13, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 34 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 13.4% of deposits in NC, rank 3 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 22,938 applications, 14,381 loans originated, $5.03B originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 112 loans, $129.5M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 & Trust Company
What are First-Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, First-Citizens Bank & Trust Company reported total assets of $236.32 billion in its FFIEC call report.
Where is First-Citizens Bank & Trust Company headquartered?
It is headquartered in Raleigh, NC, United States.
When was First-Citizens Bank & Trust Company founded?
It was established in 1898, per the FDIC institution directory.
Is First-Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11063). 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 & Trust Company?
First-Citizens Bank & Trust Company's primary federal regulator is the FDIC.
What is First-Citizens Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does First-Citizens Bank & Trust Company operate?
It operates 518 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 7.42% 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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