First-Citizens Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Raleigh, NC, First-Citizens Bank & Trust Company ranks among the largest US commercial banks by total assets, in the Research Triangle banking market. As of Q2 2026, the bank held approximately $236.3B in total assets and $174.0B in deposits. Returns are in line with industry norms at 1.09% ROA and 11.01% ROE; net interest margin is 3.14%. Capital cushions are healthy: 12.41% CET1, 9.75% Tier 1 leverage. Credit metrics are in line with industry norms, 1.38% NPL ratio. First-Citizens Bank & Trust Company runs a 516-branch network across multiple states.
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 1.38%, a Texas ratio of 10.15%, per financial data filed with the FFIEC.
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
- Offices
- 516 domestic
- Employees (FTE)
- 18,010
- Domestic deposits
- $173.95B
- Allowance for credit losses
- $1.48B
- Net charge-offs (YTD)
- $220.0M
- 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 |
|---|---|---|
| Holding Frank B Jr | CEO | Chairman and CEO |
| Nix Craig L | CFO | Chief Financial Officer |
| Smith Gregory Lewis | COO | Chief Operating Officer |
| Bristow Peter M | PRES | President |
| Eklund Tom Adam | CRO | Chief Risk Officer |
| Giangrave Andrew | CCO | Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First-Citizens Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First-Citizens Bank & Trust Company, freeFirst-Citizens Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.09% | 1.38% | 10.15% | 3.14% |
| Q1 2026 | 12.59% | 0.96% | 1.39% | 9.92% | 3.09% |
| Q4 2025 | 12.55% | 1.06% | 1.34% | 9.67% | 3.26% |
| Q3 2025 | 12.35% | 1.00% | 1.36% | 9.71% | 3.30% |
| Q2 2025 | 12.85% | 1.05% | 1.37% | 9.13% | 3.28% |
| Q1 2025 | 13.16% | 0.88% | 1.28% | 8.81% | 3.22% |
| Q4 2024 | 13.34% | 1.24% | 1.22% | 8.12% | 3.31% |
| Q3 2024 | 13.26% | 1.15% | 1.31% | 8.69% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 518 branches →
| 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 | merger | 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 | merger | 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 | merger | SEC |
| February 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | M&A | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | failure_government_assistance_provided | SEC |
| May 5, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 14, 2017 | Structure Change | Acquired Harvest Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 14, 2017 | M&A | failure_government_assistance_provided | SEC |
| January 13, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 1, 2016 | M&A | merger | SEC |
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
What the public regulatory sources show for First-Citizens Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.4% of deposits in NC, rank 3 of 86 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First-Citizens Bank & Trust Company headquartered?
First-Citizens Bank & Trust Company is headquartered in Raleigh, NC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First-Citizens Bank & Trust Company founded?
First-Citizens Bank & Trust Company was established in 1898, per the FDIC institution directory.
Is First-Citizens Bank & Trust Company FDIC-insured?
Yes. First-Citizens Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First-Citizens Bank & Trust Company's CET1 capital ratio?
First-Citizens Bank & Trust Company 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?
First-Citizens Bank & Trust Company operates 516 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?
First-Citizens Bank & Trust Company's Texas Ratio is 10.15% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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