FDIC Cert #11063 · Raleigh, North Carolina · Est. 1898

First-Citizens Bank & Trust Company - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$229.3B
Total assets
B
Health grade · Good
1.00%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

First-Citizens Bank & Trust Company earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.55% Tier 1, profitable at 1.00% ROA, 62% efficiency ratio.

#17
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
12.55%
Tier 1 ratio - above the 10% well-capitalized line
43rd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 11063 · NC B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2053/4307
  • PHOTO-FINISH The Clay City Bankin… · IL
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 6.3% Texas
  • ROA-PAR 1.00% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: The Clay City Banking Co., IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First-Citizens Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Franklin · MS · near79/100Dewey Bank · IL · near79/100First-Citizens Bank… · NC · …79/100Harvest Bank · MN · near79/100The Clay City Bankin… · IL ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First-Citizens Bank & Trust Company · July 2026

What First-Citizens Bank & Trust Company's Call Report plate shows

First-Citizens Bank & Trust Company (FDIC Cert #11063) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,053 of 4,307. Tier 1 capital prints at 12.55%, clearing the 10% well-capitalized line. The Texas Ratio is 6.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.00%. Balance-sheet scale is $229.3B, 17th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Clay City Banking Co. (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First-Citizens Bank & Trust Company

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

First-Citizens Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First-Citizens Bank & Trust Company remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How First-Citizens Bank & Trust Company's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
First-Citizens Bank & Trust Company's composite health score
Tier 1 Capital Ratio (12.55%) 35/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (6.26%) 16/20
Efficiency Ratio (62.36%) 8/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$229.3B

Total balance-sheet footings

Total Deposits

$162.1B

Customer-funded liabilities

Net Loans

$147.2B

Outstanding loan book

Net Income

$2.3B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.15% 12.55% 13.95%
Basel III capital ratios - First-Citizens Bank & Trust Company

Where First-Citizens Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First-Citizens Bank & Trust Company's score of 79/100 falls in the highlighted band.

First-Citizens Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First-Citizens Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First-Citizens Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First-Citizens Bank & Trust Company's $229.3B falls in the highlighted band.

Safety ratios for First-Citizens Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

12.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.55%
Texas Ratio
6.26%
Equity Capital
$23.4B

What these ratios mean →

Earnings posture at First-Citizens Bank & Trust Company

Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
10.20%
Efficiency Ratio
62.36%

What these mean →

Income & expense at First-Citizens Bank & Trust Company

$11.8B
Interest Income
$2.8B
Non-Interest Income
$6.1B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First-Citizens Bank & Trust Company reports a Texas Ratio of 6.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First-Citizens Bank & Trust Company on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to First-Citizens Bank & Trust Company by assets

First-Citizens Bank & Trust Company is closely matched in total assets by Citizens Bank, The Huntington National Bank, Fifth Third Bank, Manufacturers and Traders Trust Compa… across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.61%, versus First-Citizens Bank & Trust Company's own 1.00%; the average efficiency ratio is 57.84%, versus 62.36% here; and average Tier 1 capital sits at 12.48%, versus 12.55% at First-Citizens Bank & Trust Company. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $229.3B in assets, First-Citizens Bank & Trust Company sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to First-Citizens Bank & Trust Company nationally by total assets
  1. 1
    Citizens Bank $225.9B

    Providence, RI · Grade B

  2. 2
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  3. 3
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  6. 6
    BMO Bank $252.1B

    Chicago, IL · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
First-Citizens Bank & Trust Company (this bank) NC $229.3B 1.00% 62.36% 12.55%
Citizens Bank, National Association RI $225.9B 0.87% 62.22% 12.27%
The Huntington National Bank OH $224.0B 1.20% 55.04% 11.72%
Fifth Third Bank, National Association OH $213.7B 1.34% 53.98% 13.09%
Manufacturers and Traders Trust Company NY $212.9B 1.40% 53.40% 12.13%
American Express National Bank UT $211.3B 3.89% 68.58% 10.94%
BMO Bank National Association IL $252.1B 0.95% 53.85% 14.74%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($229.3B here), outside North Carolina so the neighborhood is not state containment.

Citizens Bank $225.9B · RI The Huntington National Bank $224.0B · OH Fifth Third Bank $213.7B · OH Manufacturers and Traders Trust Compa… $212.9B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First-Citizens Bank & Trust Company (FDIC Cert #11063) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First-Citizens Bank & Trust Company Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%
First Carolina BankRocky Mount $3.3B C 0.51%