Bank · FDIC insured
First Citizens Bank
A $236.3B bank, the 19th largest of 4,207, headquartered in Raleigh, NC, with 515 branches in 23 states. Best rates: CDs 4.00% and savings 0.10% APY.
First Citizens Bank Carrot Score
66
Carrot Score
Higher than 15% of U.S. banks and credit unions
#29 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Citizens Bank
First Citizens Bank is a family-led top 20 U.S. financial institution and a registered trademark of bank holding company First Citizens BancShares, Inc.
The bank operates a nationwide branch network and serves high-growth companies and investors through its Silicon Valley Bank division.
- Headquarters
- 239 Fayetteville St, Raleigh, NC 27601
- FDIC certificate
- 11063 ↗
Branches
515 branches in 23 states
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North Carolina
195 branchesSouth Carolina
113 branchesCalifornia
53 branches
Los Angeles area · 28
- Agoura Branch5701 Kanan Rd, Agoura Hills, CA 91301Directions
- Anaheim Branch704 S State College Blvd, Anaheim, CA 92806Directions
- Beverly Hills Office350 S Beverly Dr, Beverly Hills, CA 90212Directions
- Culver City South Branch5573 Sepulveda Blvd, Culver City, CA 90230Directions
- Duarte Branch1475 Huntington Dr, Duarte, CA 91010Directions
- El Segundo Main Office898 N Pacific Coast Hwy, El Segundo, CA 90245Directions
- Encino Branch16055 Ventura Blvd, Encino, CA 91436Directions
- Glendale Branch655 N Central Ave, Glendale, CA 91203Directions
- Glendora Branch600 W Route 66, Glendora, CA 91740Directions
- Hacienda Heights Branch2233 S Hacienda Blvd, Hacienda Heights, CA 91745Directions
- Irvine Branch2855 Michelle Drive, Irvine, CA 92606Directions
- La Verne Branch2111 Bonita Ave, La Verne, CA 91750Directions
- Laguna Hills Branch24191 Paseo Del Valencia Suite A, Laguna Woods, CA 92637Directions
- Lomita Branch2300 Pacific Coast Hwy, Lomita, CA 90717Directions
- Long Beach Branch3500 E 7th St, Long Beach, CA 90804Directions
- Jordan Downs Branch9950 Laurel St, Los Angeles, CA 90002Directions
- La Brea Branch400 N La Brea Ave, Los Angeles, CA 90036Directions
- West Los Angeles Branch3000 S Sepulveda Blvd, Los Angeles, CA 90034Directions
- Westchester Branch8750 S Sepulveda Blvd, Los Angeles, CA 90045Directions
- Mission Viejo Branch28641 Marguerite Pkwy, Mission Viejo, CA 92692Directions
- Newport Beach Branch1201 Dove St, Newport Beach, CA 92660Directions
- Northridge La Branch8726 Tampa Ave, Northridge, CA 91324Directions
- Pasadena Branch95 S Lake Ave, Pasadena, CA 91101Directions
- Rancho Santa Margarita Branch29818 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688Directions
- Redondo Beach Branch2233 Artesia Blvd, Redondo Beach, CA 90278Directions
- Ocean Park Branch1750 Ocean Park Blvd, Santa Monica, CA 90405Directions
- Torrance Branch3422 W Carson St, Torrance, CA 90503Directions
- West Covina Branch225 N Barranca St, West Covina, CA 91791Directions
San Diego area · 7
- Carlsbad Branch6088 Innovation Way, Carlsbad, CA 92009Directions
- Chula Vista Branch399 H St, Chula Vista, CA 91910Directions
- El Cajon Branch175 W Main St, El Cajon, CA 92020Directions
- Escondido Branch300 W Grand Ave, Escondido, CA 92025Directions
- La Jolla Branch835 Pearl St, La Jolla, CA 92037Directions
- Rancho Bernardo Branch16536 Bernardo Center Dr, San Diego, CA 92128Directions
- Solana Beach Branch706 Lomas Santa Fe Dr, Solana Beach, CA 92075Directions
Riverside area · 6
- Chino Hills Branch3410 Grand Ave, Chino Hills, CA 91709Directions
- Corona Branch1120 El Camino Ave, Corona, CA 92879Directions
- Murrieta Branch41520 Ivy St, Murrieta, CA 92562Directions
- Ontario Branch4150 Concours, Ontario, CA 91764Directions
- Palm Desert Branch44-495 Town Center Way, Palm Desert, CA 92260Directions
- Temecula Main Office44575 Avenida De Missiones, Temecula, CA 92592Directions
San Francisco area · 4
- Silcon Valley Bank Private Bank Branch2770 Sand Hill Rd, Menlo Park, CA 94025Directions
- San Francisco Branch255 Battery St, San Francisco, CA 94111Directions
- Bovet Road Branch160 Bovet Rd, San Mateo, CA 94402Directions
- Walnut Creek Branch100 Pringle Ave, Walnut Creek, CA 94596Directions
Sacramento area · 3
- Folsom Branch1320 E Bidwell St, Folsom, CA 95630Directions
- Roseville Branch3711 Douglas Blvd, Roseville, CA 95661Directions
- Sacramento Branch440 Drake Cir, Sacramento, CA 95864Directions
San Jose area · 3
- Palo Alto Branch420 Cowper St, Palo Alto, CA 94301Directions
- San Jose Branch60 S Market St, San Jose, CA 95113Directions
- Santa Clara Branch2625 Augustine Dr, Santa Clara, CA 95054Directions
Napa area · 1
- Napa Branch1300 1st Street, Napa, CA 94559Directions
Oxnard area · 1
- Thousand Oaks Branch3255 E Thousand Oaks Blvd, Thousand Oaks, CA 91362Directions
Virginia
36 branchesFlorida
27 branchesGeorgia
26 branchesTexas
9 branchesWashington
7 branchesWisconsin
7 branchesTennessee
6 branchesColorado
5 branchesMassachusetts
5 branchesArizona
4 branchesNevada
4 branchesWest Virginia
4 branchesNebraska
3 branchesMaryland
2 branchesNew Mexico
2 branchesOklahoma
2 branchesOregon
2 branchesHawaii
1 branchKansas
1 branchMissouri
1 branchWalk-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 | 9.75% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 1.12% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.03% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $87 | $85 | — |
- CapitalLeverage ratio9.75%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent1.12%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.03%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$87Peers’ middle $85
Compared with the 164 banks with $10 billion or more 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.