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 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 branch
- Kansas City Plaza4717 Grand Ave, Kansas City, MO 64112Directions
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 | 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.