First-Citizens Bank & Trust Company
Raleigh, NC · Owner: First Citizens BancShares, Inc.
$236B
total assets, June 30, 2026
$236B
total assets, June 30, 2026
First-Citizens Bank & Trust Company is a state nonmember bank based in Raleigh, NC, owned by First Citizens BancShares, Inc. (FCNCA). As of June 30, 2026 it held $236.3 billion in assets and $174.0 billion in deposits; assets were up 3.0% from a year before. It has 518 branches in 23 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$236B
+3.0% in a year · +0.3% in a quarter
Deposits
$174B
+8.5% in a year · +1.5% in a quarter
Loans
$151B
+6.8% in a year · +0.9% in a quarter
Profit so far
$1.2B
Jan 1 to Jun 30, 2026 · +9.6% in a year
Capital ratio
9.75%
-0.06 pts in a year
Return on assets
1.03%
+0.06 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 239 Fayetteville St, Raleigh, NC, 27601
- County
- Wake
- Holding company
- First Citizens BancShares, Inc. (FCNCA)
- Established
- Jan 1, 1898
- Employees
- 18,010
- Branches
- 518 in 23 states
- Website
- www.firstcitizens.com
- Id
- b11063
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
518 offices as of June 30, 2026, holding $174.0 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| North Carolina | 196 | $93.3B | 53.7% |
| California | 54 | $53.9B | 31.0% |
| South Carolina | 113 | $12.5B | 7.2% |
| Florida | 27 | $2.7B | 1.5% |
| Virginia | 36 | $2.7B | 1.5% |
| Georgia | 26 | $2.4B | 1.4% |
| Massachusetts | 5 | $813M | 0.5% |
| Texas | 9 | $782M | 0.4% |
| Arizona | 5 | $774M | 0.4% |
| Washington | 7 | $674M | 0.4% |
| Wisconsin | 7 | $528M | 0.3% |
| New Mexico | 2 | $400M | 0.2% |
The 12 states with the most deposits, of 23.
| Largest branches | Place | Deposits |
|---|---|---|
| Www.Firstcitizens.Com Branch | Raleigh, NC | $51.8B |
| Santa Clara Branch | Santa Clara, CA | $42.9B |
| First-Citizens Bank & Trust Company (main office) | Raleigh, NC | $14.9B |
| North Hills Branch | Raleigh, NC | $1.0B |
| Charlotte Branch | Charlotte, NC | $744M |
| Columbia First Citizens Branch | Columbia, SC | $741M |
| Palo Alto Branch | Palo Alto, CA | $676M |
| Santa Monica Wilshire Branch | Santa Monica, CA | $602M |
| Smithfield Branch | Smithfield, NC | $585M |
| 53 State Street Branch | Boston, MA | $527M |
Consumer complaints
Complaints consumers sent about First Citizens BancShares, Inc., the owner of this bank, and its units, 12 months to Sep 2026
No complaints in the 12 months to Sep 2026. Older complaints are in the chart.
Complaints per month
Hover a month for the count
By product
12 months to Sep 2026
No complaints in this period.
Counted under Cit Bank, National Association. Counts depend on company size: large companies get more complaints. The newest month is partial. More in the FCNCA Risk & Compliance tab.
Related pages
Questions and answers
How big is First-Citizens Bank & Trust Company?
$236.3 billion in total assets and $174.0 billion in deposits as of June 30, 2026, with assets up 3.0% from a year before. Its loans were $151.1 billion.
How many branches does First-Citizens Bank & Trust Company have?
518 branches in 23 states as of June 30, 2026. The most deposits are in North Carolina ($93.3 billion).
Is First-Citizens Bank & Trust Company profitable?
Yes: it earned $1.2 billion from January 1 to June 30, 2026 (up 9.6% from the same months a year before). Its return on assets was 1.03% a year; about 1% is typical.
Who owns First-Citizens Bank & Trust Company?
First-Citizens Bank & Trust Company is owned by First Citizens BancShares, Inc., its holding company, which is listed as FCNCA.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.