BlastPoint's Banking Scorecard

First Citizens Bank

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

Luverne, AL

5 branches across AL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
Deposits +5.3% year over year ($344.1M on the books).
Delinquency rate 0.77%.
Return on assets 2.01%.
Efficiency ratio 44.74% vs a 64.48% peer average.
Loan-to-deposit ratio 66.39% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (AL) →

First Citizens Bank shows strong momentum with 5 strengths and 6.4% YoY asset growth

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

+ Profitability Leader: Top 34.3% in tier
+ Revenue Diversifier: Top 40.2% in tier
+ Efficiency Ratio 19.73% below tier average
+ Net Interest Margin 0.36% above tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$402.6M +6.4% YoY +0.3% QoQ	+$16.0M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$228.5M +8.8% YoY -1.0% QoQ	-$29.9M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$344.1M +5.3% YoY -0.1% QoQ	+$17.4M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	2.01% +21.0% YoY +9.4% QoQ	+0.68%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Top 13.2% in tier
Net Interest Margin ?	4.35% +4.6% YoY +1.8% QoQ	+0.36%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	44.74% -11.6% YoY +0.4% QoQ	-19.73%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	Top 8.7% in tier
Delinquency Rate ?	0.77% -45.1% YoY -39.4% QoQ	-0.15%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	66.39% +3.4% YoY -0.9% QoQ	-11.56%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	26.00% -4.6% YoY -5.9% QoQ	+3.96%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	1.22% -24.0% YoY -19.3% QoQ	+0.55%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	14.30% +2.8% YoY +2.7% QoQ	-1.61%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.39% +34.2% YoY +180.4% QoQ	-0.17%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	85%

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 (AL)	National Avg	Tier Percentile
Noninterest-Bearing	26.0% -1.2pp YoY -1.6pp QoQ	+3.8pp	22.1%	24.0%	22.2%	69%
Brokered Deposits	n/a	n/a	7.9%	5.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	14.1% +1.4pp YoY +0.4pp QoQ	+2.5pp	11.6%	16.9%	12.5%	72%
CRE	46.7% -0.7pp YoY +0.5pp QoQ	+7.1pp	39.5%	43.5%	41.4%	65%
1-4 Family	25.6% +1.5pp YoY +0.5pp QoQ	-7.0pp	32.6%	30.6%	31.3%	42%
Consumer	5.2% -1.3pp YoY -0.1pp QoQ	+1.1pp	4.1%	5.7%	5.0%	78%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	14.3% +0.4pp YoY +0.4pp QoQ	+2.1pp	12.2%	13.2%	12.6%	83%
Total Capital Ratio	n/a	n/a	19.9%	16.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	59 -1 (-1.7%) YoY -1 (-1.7%) QoQ	+0	58	304	482	62%
Assets per Employee ($)	$6.8M +8.2% YoY +2.0% QoQ	-$695K	$7.5M	$6.9M	$8.8M	49%
Branch Count	5 0 YoY 0 QoQ	0	4	20	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.2%	0.4%	65%
Nonaccrual	0.6% -0.8pp YoY -0.6pp QoQ	-0.4pp	0.9%	1.2%	1.0%	56%
Allowance Coverage	1.73x +88.5% YoY +70.2% QoQ	-22.42x	24.15x	7.50x	20.23x	43%
Net Charge-off Rate (YTD)	-0.0% -0.8pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	16.1% +1.2pp YoY +1.2pp QoQ	+3.9pp	12.2%	10.0%	11.6%	73%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	33%
Net Income ($, YTD)	$4.0M +28.9% YoY — QoQ	+$1.5M	$2.6M	$17.2M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Profitability Leader

growth

#228 of 661 • Top 34.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.01%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#267 of 661 • Top 40.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.39%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.01%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

230

Efficiency Ratio

profitability

Value: 44.74%

Peer Median: 64.48%

#230 of 2643 Top 8.7% in $100M-$1B

351

Return on Assets

profitability

Value: 2.01%

Peer Median: 1.32%

#351 of 2643 Top 13.2% in $100M-$1B

409

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#409 of 2643 Top 15.4% in $100M-$1B

Top Weaknesses (1 metrics)

2222

Nonperforming Asset Ratio

credit_quality

Value: 1.22%

Peer Median: 0.67%

#2222 of 2643 Bottom 16.0% in $100M-$1B