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First-Citizens Bank & Trust Company
Raleigh, NC · FDIC Certificate #11063 · Chartered 01/0
Total assets
$236.32B
Total deposits
$173.95B
Total equity
$23.11B
Net loans
$149.64B
Branches (offices)
518
Net income (YTD)
$1.20B
Rank: #19 of 4,213 U.S. banks by assets · #3 of 38 in North Carolina. Assets changed 3.0% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 10.29% |
| Net interest margin (YTD) | 3.14% |
| Equity to assets | 9.78% |
| Tier 1 leverage ratio | 9.75% |
| Uninsured deposits (share of deposits) | 37.4% |
| Noncurrent loans (share of loans) | 1.12% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 86.0% |
| Real estate loans (share of loans) | 43.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.37B | 43.0% | |
| Commercial & industrial | $35.87B | 24.0% | |
| Consumer / individual | $2.06B | 1.4% | |
| Construction & development | $7.34B | 4.9% | |
| Agricultural | $368.00M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $107.54B | $89.43B | $536.95M | $10.92B |
| Jun 2023 | $209.41B | $141.34B | $10.23B | $20.01B |
| Jun 2024 | $219.69B | $151.39B | $1.47B | $22.16B |
| Jun 2025 | $229.41B | $160.30B | $1.09B | $22.68B |
| Jun 2026 | $236.32B | $173.95B | $1.20B | $23.11B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $93.35B | 196 |
| California | $53.89B | 54 |
| South Carolina | $12.48B | 113 |
| Florida | $2.68B | 27 |
| Virginia | $2.66B | 36 |
| Georgia | $2.41B | 26 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $173.95B.
Similar-sized banks
Morgan Stanley Private Bank, National Association ($250.43B) · Citizens Bank, National Association ($232.52B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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