First-Citizens Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 3.45 percentage points in Q2 2026, from 74.83% to 71.38%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, First-Citizens Bank & Trust Company is 20th of 38 on return on assets, 1.09% as of Q2 2026, below the middle of the field. The median for banks in the $100B-250B asset tier is 1.21% on return on assets. First-Citizens Bank & Trust Company sits 0.12 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.34% |
| Tier 1 leverage ratio | 9.75% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 9.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 0.93% |
| Net charge-off ratio | 0.29% |
| Texas ratio | 10.15% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 71.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.01% |
| Net interest margin | 3.14% |
| Efficiency ratio | 65.10% |
| Yield on earning assets | 5.30% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.88% |
| Core deposits to total deposits | 91.75% |
| Brokered deposits to total deposits | 6.32% |
| Deposits to assets | 73.61% |
| Securities to assets | 18.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.85% | 13.85% | 15.36% | 9.75% | 1.43% |
| Q4 2023 | 13.99% | 13.99% | 15.56% | 9.88% | 0.97% |
| Q1 2024 | 13.93% | 13.93% | 15.37% | 10.06% | 1.38% |
| Q2 2024 | 13.67% | 13.67% | 15.03% | 10.15% | 1.31% |
| Q3 2024 | 13.26% | 13.26% | 14.61% | 9.80% | 1.15% |
| Q4 2024 | 13.34% | 13.34% | 14.63% | 9.78% | 1.24% |
| Q1 2025 | 13.16% | 13.16% | 14.42% | 9.63% | 0.88% |
| Q2 2025 | 12.85% | 12.85% | 14.04% | 9.81% | 1.05% |
| Q3 2025 | 12.35% | 12.35% | 13.49% | 9.51% | 1.00% |
| Q4 2025 | 12.55% | 12.55% | 13.62% | 9.79% | 1.06% |
| Q1 2026 | 12.59% | 12.59% | 13.59% | 9.93% | 0.96% |
| Q2 2026 | 12.41% | 12.41% | 13.34% | 9.75% | 1.09% |
First-Citizens Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First-Citizens Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)