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 branches
Richmond area · 6
- Chesterfield Branch6551 Centralia Rd, Chesterfield, VA 23832Directions
- Hull Street Road Branch11730 Hull Street Rd, Midlothian, VA 23112Directions
- Midlothian Branch13101 Midlothian Tpke, Midlothian, VA 23113Directions
- Patterson Avenue Branch10501 Patterson Ave, Richmond, VA 23238Directions
- Richmond Short Pump Town Center Branch11776 W Broad St, Richmond, VA 23233Directions
- Richmond Wealth Management Office Branch6802 Paragon Pl, Richmond, VA 23230Directions
Roanoke area · 6
- Daleville Botetourt Commons Branch65 Kingston Dr, Daleville, VA 24083Directions
- Electric Road Branch3862 Electric Rd, Roanoke, VA 24018Directions
- Roanoke Herberger1535 Hershberger Rd Nw, Roanoke, VA 24012Directions
- Roanoke Main110 Church Ave Sw, Roanoke, VA 24011Directions
- Salem Main Office Branch106 Roanoke Blvd, Salem, VA 24153Directions
- Vinton Branch970 Hardy Rd, Vinton, VA 24179Directions
Washington area · 4
- Arlington Main Service Branch950 N Glebe Rd, Arlington, VA 22203Directions
- Fredericksburg Main Office Branch1575 Emancipation Hwy, Fredericksburg, VA 22401Directions
- Leesburg Main Office40 Catoctin Cir Ne, Leesburg, VA 20176Directions
- Tyson'S Corner Main Branch8521 Leesburg Pike, Vienna, VA 22182Directions
Lynchburg area · 4
- Bedford Branch130 E Main St, Bedford, VA 24523Directions
- Bedford Express Branch304 E Main St, Bedford, VA 24523Directions
- Lynchburg Timberlake Branch20373 Timberlake Rd, Lynchburg, VA 24502Directions
- Old Forest Road Branch3021 Old Forest Rd, Lynchburg, VA 24501Directions
Danville area · 4
- Chatham Branch1 S Main St, Chatham, VA 24531Directions
- Chatham Express Branch13720 Us Highway 29, Chatham, VA 24531Directions
- Ballou Park Branch685 W Main St, Danville, VA 24541Directions
- Piedmont Drive130 Collins Dr, Danville, VA 24540Directions
Charlottesville area · 2
- Charlottesville Main Branch2101 Dominion Dr, Charlottesville, VA 22901Directions
- Charlottesville Pantops Branch2013 Abbey Rd, Charlottesville, VA 22911Directions
Chase City area · 1
- Chase City Branch242 N Main St, Chase City, VA 23924Directions
Blacksburg area · 1
- Christiansburg Main250 Peppers Fry Rd Nw, Chirstiansburg, VA 24073Directions
Clifton Forge area · 1
- Clifton Forge Branch540 Main St, Clifton Forge, VA 24422Directions
Emporia area · 1
- Emporia Branch214 W Atlantic St, Emporia, VA 23847Directions
Galax area · 1
- Galax Plaza Branch540 E Stuart Dr, Galax, VA 24333Directions
Harrisonburg area · 1
- Harrisonburg Main Branch320 University Blvd, Harrisonburg, VA 22801Directions
Lawrenceville area · 1
- Lawrenceville Branch112 E Hicks St, Lawrenceville, VA 23868Directions
South Hill area · 1
- South Hill Branch222 E Atlantic St, South Hill, VA 23970Directions
Staunton area · 1
- Staunton Branch239 N Central Ave, Staunton, VA 24401Directions
Winchester area · 1
- 2800 Valley Ave Branch2147 Valley Ave, Winchester, VA 22601Directions
Florida
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.