🏦Bank Scorer

FIRST-CITIZENS BANK & TRUST COMPANY

RALEIGH, NC · Supervised by FDIC

Est. 1898FDIC #11,063RSSD: FDIC-11063
Part ofFirst Citizens BancShares→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Address

239 Fayetteville St, RALEIGH, NC

County

Wake County

Established

January 1, 1898

Total Assets

$235.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$235.5B

Total Deposits

$171.4B

Net Loans

$148.3B

Net Income

$559M

ROA

0.96%

ROE

9.55%

Risk-Based Capital

13.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

524

Branch Deposits

$160.3B

1-Year Change

-16

5-year net change: -44 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422,97266%21.22%
202323,12366.19%20.78%
202227,85868.55%18.64%
202130,69369.09%17.99%
202031,17164.73%20.09%
201926,03569.23%21.01%
201824,30568.45%20.68%

2024 national avg denial rate: 23.75% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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