Institution Summary
Financial Snapshot
First-Citizens Bank & Trust Company reported total assets of $233.2B8 as of 2025-09-30. The institution holds $163.6B in deposits9 and maintains a loan portfolio of $144.9B10. Total equity capital stands at $22.3B11, representing an equity-to-assets ratio of 9.58%12.
Key Metrics (Q3 2025)
Growth Trajectory
First-Citizens Bank & Trust Company has demonstrated strong growth over the past five years, with total assets increasing 486.0%.14
Asset & Deposit Trend
| Period | Total Assets8 | Total Deposits9 | Asset Growth (QoQ) |
|---|---|---|---|
| 2019-12-31 | $39.8B | $34.5B | — |
| 2020-03-31 | $41.4B | $35.4B | +4.0% |
| 2020-06-30 | $47.8B | $41.6B | +15.6% |
| 2020-09-30 | $48.6B | $42.3B | +1.7% |
| 2020-12-31 | $49.9B | $43.5B | +2.6% |
| 2021-03-31 | $53.8B | $47.4B | +7.9% |
| 2021-06-30 | $55.1B | $48.5B | +2.4% |
| 2021-09-30 | $56.8B | $50.2B | +3.1% |
| 2021-12-31 | $58.2B | $51.6B | +2.5% |
| 2022-03-31 | $108.5B | $91.7B | +86.3% |
| 2022-06-30 | $107.5B | $89.4B | -0.9% |
| 2022-09-30 | $109.1B | $87.6B | +1.5% |
| 2022-12-31 | $109.2B | $89.5B | +0.0% |
| 2023-03-31 | $214.6B | $140.3B | +96.6% |
| 2023-06-30 | $209.4B | $141.3B | -2.4% |
| 2023-09-30 | $213.6B | $146.4B | +2.0% |
| 2023-12-31 | $213.6B | $146.1B | -0.0% |
| 2024-03-31 | $217.7B | $149.9B | +1.9% |
| 2024-06-30 | $219.7B | $151.4B | +0.9% |
| 2024-09-30 | $220.4B | $151.9B | +0.3% |
| 2024-12-31 | $223.5B | $155.6B | +1.4% |
| 2025-03-31 | $228.6B | $160.1B | +2.3% |
| 2025-06-30 | $229.4B | $160.3B | +0.3% |
| 2025-09-30 | $233.2B | $163.6B | +1.6% |
Source: FFIEC Call Reports, Schedule RC
Capital & Risk Metrics
First-Citizens Bank & Trust Company maintains solid capital ratios. The Tier 1 leverage ratio stands at 9.51%18, comfortably above the 4% minimum for well-capitalized institutions. The efficiency ratio of 62.57% indicates moderate operating costs.20
Capital & Performance Ratios (Q3 2025)
Credit Quality
Noncurrent loans represent 1.11% of total loans, near industry averages. The noncurrent loans to equity capital ratio is 7.23%, suggesting adequate loss absorption capacity.2122
Profitability
The bank generated year-to-date net income of $1.7B13. Return on average equity stands at 10.03%.23 Annual equity capital grew 1.50%.25
Data Sources & Footnotes
All data sourced from official regulatory filings. Each metric is cited to its source document and field code for verification.
1 [FRS:id_rssd] Federal Reserve Structure Data, RSSD Identifier
2 [FRS:id_fdic_cert] Federal Reserve Structure Data, FDIC Certificate Number
3 [FRS:entity_type] Federal Reserve Structure Data, Entity Type Code
4 [FRS:prim_fed_reg] Federal Reserve Structure Data, Primary Federal Regulator
5 [FRS:dt_open] Federal Reserve Structure Data, Date Opened
6 [FRS:dt_insur] Federal Reserve Structure Data, Date FDIC Insured
7 [FRS:city, state_abbr_nm] Federal Reserve Structure Data, Address Fields
8 [CR:RCON2170:Q3 2025] FFIEC Call Report, Schedule RC, Total Assets
9 [CR:RCON2200:Q3 2025] FFIEC Call Report, Schedule RC, Total Deposits
10 [CR:RCON2122:Q3 2025] FFIEC Call Report, Schedule RC, Total Loans and Leases
11 [CR:RCON3210:Q3 2025] FFIEC Call Report, Schedule RC, Total Equity Capital
12 [UBPR:UBPRE634:Q3 2025] UBPR, Equity Capital to Assets Ratio
13 [CR:RIAD4340:Q3 2025] FFIEC Call Report, Schedule RI, Net Income YTD
14 Calculated from [CR:RCON2170] 5-year comparison
18 [UBPR:UBPRD486:Q3 2025] UBPR, Tier 1 Leverage Capital Ratio
19 [UBPR:UBPRR031:Q3 2025] UBPR, Tier 1 Risk-Based Capital Ratio (N/A if bank uses CBLR framework)
20 [UBPR:UBPRE088:Q3 2025] UBPR, Efficiency Ratio
21 [UBPR:UBPR7414:Q3 2025] UBPR, Noncurrent Assets % Total Loans
22 [UBPR:UBPRE546:Q3 2025] UBPR, Noncurrent Loans to Equity Capital
23 [UBPR:UBPRE630:Q3 2025] UBPR, Net Income % Average Bank Equity
25 [UBPR:UBPRE635:Q3 2025] UBPR, Annual Growth Rate in Equity
Methodology
This profile is generated from FFIEC Call Report and Uniform Bank Performance Report (UBPR) data filed by First-Citizens Bank & Trust Company. All financial figures are in nominal U.S. dollars as reported. The institution is tracked using Finleet Universal Identifier (FUID) 390-491-224, which normalizes regulatory identifiers across mergers and structural changes.
Data Sources: FFIEC Central Data Repository, Federal Reserve National Information Center, FDIC BankFind Suite. Report period: Q3 2025.