First Citizens BancShares is the bank holding company. FIRST-CITIZENS BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Banking Group

First Citizens BancShares

1 active bank · 3 merged/absorbed · $235.5B combined assets

Combined Assets

$235.5B

CRA Rating Summary

Satisfactory1charter

Across all 15 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST-CITIZENS BANK & TRUST COMPANYRALEIGH, NCSatisfactory$235.5BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$235.5B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$171.4B

Net Income

$559M

ROA (avg)

0.96%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

22,972

Origination Rate

66%

Denial Rate

21.22%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
FIRST-CITIZENS BANK & TRUST COMPANY	RALEIGH, NC	FDIC	$235.5B	Satisfactory	Aug 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.