Is First-Citizens Bank&Trust Co Safe?
First-Citizens Bank&Trust Co has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is liquidity (96/100), while loan quality is its weakest area (81/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.67% | 90/100 |
| Nonperforming Loan Ratio | 0.93% | 81/100 |
| Liquidity Ratio | 28.88% | 96/100 |
| Return on Assets | 1.87% | 95/100 |
| Total Assets | $219.7B | |
How does First-Citizens Bank&Trust Co compare?
With a Bank Health Score of 89/100, First-Citizens Bank&Trust Co sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, First-Citizens Bank&Trust Co ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.67% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.93% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First-Citizens Bank&Trust Co's Bank Health Score fell by 3.0 points to 89/100. Tier 1 capital weakened by 0.18 percentage points to 13.67%. Quarter-over-quarter, the score fell by 2.0 points.
First-Citizens Bank&Trust Co has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is liquidity (96/100), while loan quality is its weakest area (81/100).