Total Assets
$229.3B
Total balance-sheet footings
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.
- $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.
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.
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 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
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
10.20%
Efficiency Ratio
62.36%
What the numbers say about First-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company is an FDIC-insured institution (Certificate #11063) headquartered in Raleigh, North Carolina, established in 1898. It holds $229.3B in total assets - 17th of 4,313 FDIC-insured banks, $162.1B in customer deposits, and $147.2B in net loans. Looking at capital strength, Tier 1 stands at 12.55%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First-Citizens Bank & Trust Company's asset base places it among the largest FDIC-insured institutions in the country, 17th of 4,313 nationally, and 3rd of 38 banks headquartered in North Carolina. Only Truist Bank ($539.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in North Carolina by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First-Citizens Bank & Trust Company's health grade?▼
First-Citizens Bank & Trust Company receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First-Citizens Bank & Trust Company?▼
First-Citizens Bank & Trust Company holds $229.3B in total assets and $162.1B in deposits, ranking 17th of 4,313 FDIC-insured banks by asset size. It is headquartered in Raleigh, North Carolina.
Is my money safe at First-Citizens Bank & Trust Company?▼
Yes, deposits at First-Citizens Bank & Trust Company (Certificate #11063) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First-Citizens Bank & Trust Company's Tier 1 Capital Ratio?▼
First-Citizens Bank & Trust Company has a Tier 1 Capital Ratio of 12.55%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First-Citizens Bank & Trust Company?▼
First-Citizens Bank & Trust Company has a Texas Ratio of 6.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First-Citizens Bank & Trust Company?▼
First-Citizens Bank & Trust Company has an Efficiency Ratio of 62.36%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First-Citizens Bank & Trust Company's profile as a depositor or analyst.
- First-Citizens Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First-Citizens Bank & Trust Company against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.