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 branchesGeorgia
26 branches
Atlanta area · 13
- North Point Commons Branch10865 Haynes Bridge Rd, Alpharetta, GA 30022Directions
- Rivermont Station Branch8479 Holcomb Bridge Rd, Alpharetta, GA 30022Directions
- Atlanta Dunwoody Branch5571 Chamblee Dunwoody Rd, Atlanta, GA 30338Directions
- Buckhead Branch79 W Paces Ferry Rd Nw, Atlanta, GA 30305Directions
- Cumberland Boulevard Branch3300 Cumberland Blvd Se, Atlanta, GA 30339Directions
- Hamilton Mill Branch2715 Hamilton Mill Rd, Buford, GA 30519Directions
- South Dekalb Branch2630 Rainbow Way, Decatur, GA 30034Directions
- Buford Branch2775 Buford Hwy, Duluth, GA 30096Directions
- Jasper Banking Company Branch100 Mark Whitfield Dr, Jasper, GA 30143Directions
- Shallowford Road Branch2998 Shallowford Rd, Marietta, GA 30066Directions
- Powder Springs Branch3270 Florence Rd, Powder Springs, GA 30127Directions
- Laurel Springs Branch3225 Peachtree Pkwy, Suwanee, GA 30024Directions
- Towne Lake Branch3060 Eagle Dr, Woodstock, GA 30189Directions
Augusta area · 4
- Walton'S Corner Branch3602 Walton Way Ext, Augusta, GA 30909Directions
- Evans Branch450 N Belair Rd, Evans, GA 30809Directions
- Fury'S Ferry Branch342 Baston Rd, Martinez, GA 30907Directions
- Thomson Branch235 Main St, Thomson, GA 30824Directions
Athens area · 3
- Hull Branch9205 Highway 29 S, Athens, GA 30601Directions
- Comer Branch36 Highway 72 E, Comer, GA 30629Directions
- Danielsville Branch300 General Daniel Ave N, Danielsville, GA 30633Directions
Carnesville area · 1
- Carnesville Branch9654 Lavonia Rd, Carnesville, GA 30521Directions
Gainesville area · 1
- Gainesville Branch643 Ee Butler Pkwy, Gainesville, GA 30501Directions
Hartwell area · 1
- Hartwell Branch86 W Franklin St, Hartwell, GA 30643Directions
Lavonia area · 1
- Lavonia Branch12380 Augusta Rd, Lavonia, GA 30553Directions
Savannah area · 1
- Savannah Branch110 W Saint Julian St, Savannah, GA 31401Directions
Toccoa area · 1
- Toccoa Branch122 N Alexander St, Toccoa, GA 30577Directions
Texas
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.