Bank · FDIC insured
First Citizens Bank
A $402.6M bank headquartered in Luverne, AL, with 5 branches in Alabama. Best rates: savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings720.40%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Citizens Bank
Founded in 1979 by local businessmen, First Citizens Bank opened in 1980 to provide a healthy banking environment for local businesses and individuals.
In 2010, the bank acquired First Lowndes Bank, expanding its footprint across Crenshaw, Butler, and Lowndes counties in Alabama with branches in Luverne, Fort Deposit, Greenville, Hayneville, and Highland Home.
The bank supports its communities through small business, agriculture, mortgage, and personal loans alongside other banking services.
- Headquarters
- 100 W 3rd St, Luverne, AL 36049
- FDIC certificate
- 23152 ↗
Branches
5 branches in Alabama
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Alabama
5 branches
Montgomery area · 2
- Fort Deposit Branch115 Old Fort Rd W, Fort Deposit, AL 36032Directions
- Hayneville Facility40 Lafayette St, Hayneville, AL 36040Directions
Luverne area · 1
- First Citizens BankMain office100 W 3rd St, Luverne, AL 36049Directions
Greenville area · 1
- Greenville Branch475 Greenville Byp, Greenville, AL 36037Directions
Highland Home area · 1
- Highland Home Branch17823 Montgomery Hwy, Highland Home, AL 36041Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.30% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.76% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $67 | $81 | — |
- CapitalLeverage ratio14.30%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.76%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$67Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.