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First Citizens Bank

$100M-$1B Specialty: Commercial AL FDIC cert 23152

Luverne, AL

5 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL
View $100M-$1B leaderboard (AL) →

First Citizens Bank has 3 strengths but faces 1 concern

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

  • + Efficiency Ratio 20.70% below tier average
  • + ROA 0.56% above tier average
  • + Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.38% above tier average
Get updates when First Citizens Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $401.3M
+7.4% YoY +0.2% QoQ
+$15.2M $386.1M
+0.5% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
61%
Total Loans ? $230.8M
+9.7% YoY +4.3% QoQ
-$24.9M $255.7M
+1.1% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
56%
Total Deposits ? $344.3M
+6.2% YoY +0.6% QoQ
+$16.3M $328.0M
+0.1% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
62%
Return on Assets ? 1.83%
+18.1% YoY +17.3% QoQ
+0.56% 1.27%
+12.9% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
83%
Net Interest Margin ? 4.27%
+6.4% YoY +1.7% QoQ
+0.34% 3.93%
+6.0% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 44.58%
-12.4% YoY -16.3% QoQ
-20.70% 65.29%
-4.5% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
Top 8.5% in tier
Delinquency Rate ? 1.27%
-62.8% YoY -9.2% QoQ
+0.38% 0.89%
+18.8% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
23%
Loan-to-Deposit Ratio ? 67.02%
+3.3% YoY +3.7% QoQ
-9.61% 76.64%
+0.8% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
72%
Non-Interest-Bearing Deposit Share ? 27.64%
+4.1% YoY -4.0% QoQ
+5.62% 22.02%
-1.0% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
75%
Nonperforming Asset Ratio ? 1.52%
-20.9% YoY -2.8% QoQ
+0.88% 0.64%
+19.7% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
Bottom 11.4% in tier
Tier 1 Capital Ratio ? 13.92%
+0.8% YoY +0.5% QoQ
-1.91% 15.83%
+1.5% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.14%
+2.4% YoY -77.3% QoQ
-0.14% 0.28%
+9.3% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
70%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

228
Efficiency Ratio
profitability
Value: 44.58%
Peer Median: 65.29%
#228 of 2664 Top 8.5% in $100M-$1B
464
Return on Assets
profitability
Value: 1.83%
Peer Median: 1.27%
#464 of 2664 Top 17.4% in $100M-$1B
659
Non-Interest-Bearing Deposit Share
funding
Value: 27.64%
Peer Median: 22.02%
#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2360
Nonperforming Asset Ratio
credit_quality
Value: 1.52%
Peer Median: 0.64%
#2360 of 2664 Bottom 11.4% in $100M-$1B
2049
Delinquency Rate
credit_quality
Value: 1.27%
Peer Median: 0.89%
#2049 of 2654 Bottom 22.8% in $100M-$1B
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