First-Citizens Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 92.0% lower than in Q1 2026, at $90.0M. Within North Carolina, First-Citizens Bank & Trust Company is 16th of 38 on loan-to-deposit ratio, 86.88% as of Q2 2026, above the middle of the field. First-Citizens Bank & Trust Company reported 86.88% on loan-to-deposit ratio for Q2 2026, 5.76 points above the 81.12% median for banks in the $100B-250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.12B |
| Net loans and leases | $149.64B |
| Loans held for sale | $90.0M |
| Loans to total assets | 63.95% |
| Loan-to-deposit ratio | 86.88% |
| Net loans to equity capital | 6.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.86% |
| Multifamily (5+ residential) | 1.96% |
| Commercial and industrial | 23.74% |
| Consumer | 1.36% |
| Credit cards | 0.19% |
| Farm | 0.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.81% |
| Construction concentration (Tier 1 capital + allowance) | 30.14% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.98% |
| Interest income on loans | $2.21B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $133.30B | $146.42B | 18.85% | 28.19% | 1.95% |
| Q4 2023 | $133.42B | $146.08B | 19.64% | 28.08% | 1.96% |
| Q1 2024 | $135.50B | $149.91B | 19.84% | 27.73% | 2.05% |
| Q2 2024 | $139.47B | $151.39B | 19.60% | 26.89% | 2.07% |
| Q3 2024 | $138.81B | $151.93B | 20.12% | 26.81% | 2.08% |
| Q4 2024 | $140.35B | $155.57B | 20.35% | 25.64% | 1.79% |
| Q1 2025 | $141.59B | $160.11B | 20.16% | 25.68% | 1.73% |
| Q2 2025 | $141.44B | $160.30B | 20.25% | 25.25% | 1.74% |
| Q3 2025 | $144.87B | $163.58B | 19.67% | 25.04% | 1.73% |
| Q4 2025 | $148.73B | $162.08B | 19.36% | 23.97% | 1.66% |
| Q1 2026 | $149.81B | $171.45B | 19.27% | 24.00% | 1.45% |
| Q2 2026 | $151.12B | $173.95B | 18.86% | 23.74% | 1.36% |
First-Citizens Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First-Citizens Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)