🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2015. CRA examination history below reflects the period it was active.

FIRST CITIZENS BANK AND TRUST COMPANY, INC.

COLUMBIA, SC · Supervised by FDIC

Est. 1936FDIC #15,504RSSD: FDIC-15504
Part ofFIRST CITIZENS BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: July 2014

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.15%

Institution Profile

FDIC BankFind

Address

1230 Main Street, COLUMBIA, SC

County

Richland County

Established

February 1, 1936

Total Assets

$8.3B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 2014

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2014Call Report / FDIC

Total Assets

$8.3B

Total Deposits

$7.4B

Net Loans

$4.7B

Net Income

$13M

ROA

0.15%

Below avg for Community banks. Peer avg: 0.90%

ROE

1.53%

Risk-Based Capital

15.20%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.15%Peer avg: 0.90%▼ Below avg
Risk-Based Capital15.20%Peer avg: 12.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2014OutstandingLarge Bank
Mar 2011OutstandingLarge Bank
Dec 2006OutstandingLarge Bank

4 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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