First-Citizens Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First-Citizens Bank & Trust Company of Raleigh, NC against its peer group of 14 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.61% | -0.52% | 38th below |
| ROAE | 11.01% | 16.95% | -5.94% | 31st below |
| Net Interest Margin | 3.14% | 4.14% | -1.00% | 31st below |
| Efficiency Ratio | 65.10% | 55.20% | +9.90% | 23rd bottom |
| PPNR / Avg Assets | 1.44% | 2.68% | -1.24% | 8th bottom |
| Yield on Earning Assets | 5.30% | 6.40% | -1.10% | 38th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 2.28% | 2.39% | -0.11% | 46th below |
| Net Interest Spread | 2.39% | 3.62% | -1.23% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 1.36% | +0.02% | 46th below |
| NPA / Total Assets | 0.93% | 0.86% | +0.07% | 38th below |
| NCO / Avg Loans | 0.29% | 0.93% | -0.64% | 62nd above |
| ACL / Total Loans | 0.98% | 2.14% | -1.16% | 23rd bottom |
| ACL / NPLs (Coverage) | 71.38% | 185.48% | -114.10% | 23rd bottom |
| Texas Ratio | 10.15% | 9.80% | +0.35% | 46th below |
| Provision / NCO | 62.73% | 117.59% | -54.86% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 12.41% | 13.93% | -1.52% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 12.41% | 14.07% | -1.66% | 54th above |
| Total Capital Ratio | 13.34% | 15.75% | -2.41% | 23rd bottom |
| Leverage Ratio | 9.75% | 9.49% | +0.26% | 69th above |
| Equity / Assets | 9.78% | 10.00% | -0.22% | 46th below |
| TCE / Tangible Assets | 9.59% | 8.54% | +1.05% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.88% | 75.26% | +11.62% | 23rd bottom |
| Core Deposit Ratio | 91.75% | 83.84% | +7.91% | 62nd above |
| Uninsured Deposit Ratio | 37.40% | 36.07% | +1.33% | 46th below |
| Wholesale Funding Ratio | 12.73% | 5.83% | +6.90% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.01% | 11.39% | -8.38% | 46th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.85% | 12.90% | -6.05% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.52% | 10.84% | -2.32% | 85th top |
See First-Citizens Bank & Trust Company's peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First-Citizens Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First-Citizens Bank & Trust Company profile, how to read a UBPR, or how this data updates.