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First-Citizens Bank & Trust Company

For information concerning OneWest Bank, a division of First-Citizens Bank and Trust online bank, please click here .

Phone: 888 323 4732

ACH Number: 053100300

SWIFT Code: FCBTUS33XXX

First-Citizens Bank & Trust Company is an FDIC insured institution headquartered at 239 Fayetteville St, Raleigh, NC 27601.
It was founded in 1898 and has approximately $233 billion in assets. Customers can open an account at one of its 616 branches.

Deposit Rates - April 01, 2026

SAVINGS RATES APY MIN
SAV
0.10% $25 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11063
Date Established 1898
Assets $ 233.17 billion
Loans $ 143.22 billion
Deposits $ 163.58 billion
Capital $ 22.33 billion

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 25.38 billion
Interest-bearing balances $ 24.54 billion
Total securities $ 45.01 billion
Federal funds sold and reverse repurchase $ 83.00 million
Net loans and leases $ 143.22 billion
Loan loss allowance $ 1,651.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 95.00 million
Goodwill and other intangibles $ 543.00 million
All other assets $ 12.36 billion
     Total Assets $ 210.84 billion

LIABILITIES
Total deposits $ 163.58 billion
      Interest-bearing deposits $ 120.44 billion
      Deposits held in domestic offices $ 163.58 billion
      % insured (estimated)" 63.58%
Federal funds purchased and repurchase agreements $ 423.00 million
Trading liabilities N.A.
Other borrowed funds $ 2.70 billion
Subordinated debt $ 434.00 million
All other liabilities $ 3.24 billionn
      Total Liabilities $ 210.84 billion
      Shareholders’ Equity $ 22.33 billion

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 8.84 billion
Total Interest Expense $ 3.70 billion
Net interest income $ 5.14 billion
Provision for loan and lease losses $ 460.00 million
Total non interest income $ 2.04 billion
Total non interest expense $ 4.49 billion
Pre-tax Net Operating Income $ 576.31 million

Customer Reviews for First-Citizens Bank & Trust Company (3)

Rated 3.00 stars out of 5 - based on 3 reviews

  • May 3, 2023 |

    Something changed with CIT. They are offering a higher rate, but funding it by substantially increasing the hold times on transfers out and in. Marcus is terrible with the rates, but I can still get my money in and out fast. I thought CIT was always better. Now, less sure.

  • April 18, 2023 |

    Sorry, we can not open account for you at this time. ????

  • October 13, 2022 |

    I just banks by their hold times and this one is out of hand now. Fortunately, they do have a call back option (and they do call back much later). My prior experiences with the bank would lead to a 5-star rating, but I am giving it 4-stars because it does sometimes take hours (even with the call back).

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