First-Citizens Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 222.5% lower than in Q1 2026, at -$229.0M. First-Citizens Bank & Trust Company ranks 22nd of 26 North Carolina banks on CET1 ratio, in the lower half at 12.41% (Q2 2026). At 12.41%, First-Citizens Bank & Trust Company's CET1 ratio is close to the 12.36% median for banks in the $100B-250B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.34% |
| Tier 1 leverage ratio | 9.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.86B |
| Tier 1 capital | $22.86B |
| Total risk-based capital | $24.57B |
| Total equity capital | $23.11B |
| Risk-weighted assets | $184.14B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 9.59% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | -3.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $7.96B |
| Retained earnings | $15.36B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$229.0M |
| Subordinated notes and debentures | $423.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.85% | 13.85% | 15.36% | 9.75% | $149.30B |
| Q4 2023 | 13.99% | 13.99% | 15.56% | 9.88% | $151.70B |
| Q1 2024 | 13.93% | 13.93% | 15.37% | 10.06% | $156.00B |
| Q2 2024 | 13.67% | 13.67% | 15.03% | 10.15% | $162.65B |
| Q3 2024 | 13.26% | 13.26% | 14.61% | 9.80% | $162.96B |
| Q4 2024 | 13.34% | 13.34% | 14.63% | 9.78% | $163.85B |
| Q1 2025 | 13.16% | 13.16% | 14.42% | 9.63% | $164.77B |
| Q2 2025 | 12.85% | 12.85% | 14.04% | 9.81% | $173.49B |
| Q3 2025 | 12.35% | 12.35% | 13.49% | 9.51% | $177.19B |
| Q4 2025 | 12.55% | 12.55% | 13.62% | 9.79% | $181.64B |
| Q1 2026 | 12.59% | 12.59% | 13.59% | 9.93% | $183.14B |
| Q2 2026 | 12.41% | 12.41% | 13.34% | 9.75% | $184.14B |
First-Citizens Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First-Citizens Bank & Trust Company, freeSource: Call Report Schedule RC-R, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11063) · FFIEC NIC profile (RSSD 491224)