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First-Citizens Bank & Trust Company

$10B-$250B Specialty: Commercial NC FDIC cert 11063

Raleigh, NC

519 branches across NC · SC · CA · VA · FL · GA · TX · WA · WI · TN · AZ · CO · MA · NV · WV · NE · MD · NM · OK · OR · HI · KS · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in NC.
  • Deposits +8.5% year over year ($174.0B on the books).
  • Delinquency rate 1.14%.
  • Return on assets 1.03%.
  • Efficiency ratio 65.10% vs a 53.67% peer average.
  • Loan-to-deposit ratio 86.02% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in NC
View $10B-$250B leaderboard (NC) →

First-Citizens Bank & Trust Company faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 28.8% in tier
  • - ROA 0.36% below tier average
  • - Net Interest Margin 0.78% below tier average
  • - Efficiency Ratio 11.43% above tier average
Get updates when First-Citizens Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $236.3B
+3.0% YoY +0.3% QoQ
+$192.7B $43.6B
-13.8% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
Top 0.1% in tier
Total Loans ? $149.6B
+7.1% YoY +0.9% QoQ
+$121.7B $28.0B
-8.6% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
Top 0.7% in tier
Total Deposits ? $174.0B
+8.5% YoY +1.5% QoQ
+$138.5B $35.4B
-14.0% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
Top 0.7% in tier
Return on Assets ? 1.03%
+6.5% YoY +6.7% QoQ
-0.36% 1.39%
+25.9% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.14%
-3.9% YoY +0.7% QoQ
-0.78% 3.92%
+8.9% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 65.10%
+3.6% YoY +0.0% QoQ
+11.43% 53.67%
-1.9% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 1.14%
+7.3% YoY +0.7% QoQ
+0.12% 1.01%
-2.8% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 86.02%
-1.3% YoY -0.5% QoQ
+3.41% 82.61%
+3.1% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 24.72%
-3.9% YoY -4.1% QoQ
+4.14% 20.58%
+4.9% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.77%
+11.6% YoY +1.4% QoQ
+0.04% 0.73%
+5.8% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 12.41%
-3.4% YoY -1.4% QoQ
-2.94% 15.35%
-0.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.62%
+6.7% YoY +106.2% QoQ
+0.13% 0.50%
+10.5% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Noninterest-Bearing 24.7%
-1.0pp YoY
-1.1pp QoQ
 +3.7pp 21.0% 21.8% 22.2% 59%
Brokered Deposits 6.3%
+2.7pp YoY
+1.4pp QoQ
 -2.9pp 9.2% 7.7% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 24.0%
-1.6pp YoY
-0.3pp QoQ
 +6.8pp 17.2% 10.5% 12.5% 79%
CRE 25.9%
-1.6pp YoY
-0.5pp QoQ
 -16.1pp 42.0% 46.3% 41.4% 21%
1-4 Family 16.4%
-1.9pp YoY
-0.7pp QoQ
 -6.7pp 23.1% 44.2% 31.3% 33%
Consumer 1.4%
-0.4pp YoY
-0.1pp QoQ
 -11.5pp 12.9% 1.6% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 12.4%
-0.4pp YoY
-0.2pp QoQ
 -2.9pp 15.3% 22.8% 19.7% 37%
Leverage Ratio 9.7%
-0.1pp YoY
-0.2pp QoQ
 -0.7pp 10.4% 14.4% 12.6% 38%
Total Capital Ratio 13.3%
-0.7pp YoY
-0.2pp QoQ
 -3.2pp 16.5% 23.8% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 18,010
+272 (+1.5%) YoY
-163 (-0.9%) QoQ
 +14,752 3,258 5,103 482 96%
Assets per Employee ($) $13.1M
+1.5% YoY
+1.2% QoQ
 -$13.9M $27.0M $9.4M $8.8M 55%
Branch Count 518
-6 (-1.1%) YoY
+1 (+0.2%) QoQ
 +380 137 170 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.4% 75%
Nonaccrual 1.0%
0.0pp YoY
0.0pp QoQ
 +0.2pp 0.7% 0.7% 1.0% 82%
Allowance Coverage 0.87x
-22.7% YoY
-6.3% QoQ
 -1.94x 2.81x 3.36x 20.23x 14%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.4% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 10.3%
+0.4pp YoY
+0.7pp QoQ
 -2.3pp 12.6% 8.7% 11.6% 42%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 2.0% 1.8% 1.7% 63%
Net Income ($, YTD) $1.2B
+9.6% YoY
— QoQ
 +$903.2M $296.8M $518.0M $40.4M 96%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#18 of 59 • Bottom 28.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

1
Total Assets
size
Value: $236.32B
Peer Median: $43.60B
#1 of 139 Top 0.1% in $10B-$250B
2
Total Loans
size
Value: $149.64B
Peer Median: $27.97B
#2 of 139 Top 0.7% in $10B-$250B
2
Total Deposits
size
Value: $173.95B
Peer Median: $35.42B
#2 of 139 Top 0.7% in $10B-$250B
26
Non-Interest Income / Assets
revenue_mix
Value: 0.62%
Peer Median: 0.50%
#26 of 139 Top 18.0% in $10B-$250B

Top Weaknesses (2 metrics)

117
Efficiency Ratio
profitability
Value: 65.10%
Peer Median: 53.67%
#117 of 139 Bottom 16.5% in $10B-$250B
107
Delinquency Rate
credit_quality
Value: 1.14%
Peer Median: 1.01%
#107 of 138 Bottom 23.2% in $10B-$250B
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