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 branchesVirginia
36 branchesFlorida
27 branches
Miami area · 8
- East Boca5099 N Federal Hwy, Boca Raton, FL 33431Directions
- Bayshore Branch2601 S Bayshore Dr, Coconut Grove, FL 33133Directions
- Coral Gables Main Office250 Palermo Ave, Coral Gables, FL 33134Directions
- Coral Springs Branch5721 Coral Ridge Dr, Coral Springs, FL 33076Directions
- Doral Branch3750 Nw 87th Ave, Doral, FL 33178Directions
- Fort Lauderdale Branch6451 N Federal Hwy, Fort Lauderdale, FL 33308Directions
- Jupiter Branch1098 Military Trl, Jupiter, FL 33458Directions
- South Miami Branch7301 Sw 57th Ct, South Miami, FL 33143Directions
Tampa area · 6
- Belleair Branch101 Indian Rocks Rd N, Belleair Bluffs, FL 33770Directions
- Pinellas Park Branch7401 Park Blvd N, Pinellas Park, FL 33781Directions
- St. Petersburg Branch5900 Central Ave, St. Petersburg, FL 33707Directions
- Brandon Branch10670 Palm River Road, Tampa, FL 33619Directions
- North Dale Mabry Branch327 N Dale Mabry Hwy, Tampa, FL 33609Directions
- Westchase Branch13015 Race Track Rd, Tampa, FL 33626Directions
Jacksonville area · 4
- Jacksonville Bartram Park Office13860 Old Augustine Road, Jacksonville, FL 32258Directions
- Jacksonville San Pablo Branch4300 San Pablo Pkwy, Jacksonville, FL 32224Directions
- San Marco Main Office1471 San Marco Blvd, Jacksonville, FL 32207Directions
- Ponte Vendra Branch832 Us Highway A1a N, Ponte Vedra Beach, FL 32082Directions
Naples area · 3
- Marco Island Branch1770 San Marco Rd, Marco Island, FL 34145Directions
- Naples Main Branch3055 Tamiami Trl N, Naples, FL 34103Directions
- Riverchase Branch1030 Crosspointe Dr, Naples, FL 34110Directions
Cape Coral area · 2
- Bonita Springs Branch8891 Timberwilde Dr, Bonita Springs, FL 34135Directions
- Health Park Branch16700 Bass Rd, Fort Myers, FL 33908Directions
Orlando area · 2
- Lake Mary Branch875 Currency Cir, Lake Mary, FL 32746Directions
- Winter Park Branch517 W Morse Blvd, Winter Park, FL 32789Directions
North Port area · 1
- Lakewood Ranch Branch9121 Town Center Parkway, Lakewood Ranch, FL 34202Directions
Port St. Lucie area · 1
- Stuart Branch2171 Se Federal Hwy, Stuart, FL 34994Directions
Georgia
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.