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First-Citizens Bank & Trust Company
Raleigh, NC·FDIC Cert #11063·Charter: STATE·Est. 18980101.0·HC: FIRST CITIZENS BANCSHARES INC
Total Assets
$229.3B
Q4 2025
Return on Assets
1.00%
+0.03%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.36%
Peer avg: 53.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.00%+0.03
ROE
10.20%+0.17
Efficiency
62.36%+0.36
Equity/Assets
0.00%+0.00
NPL Ratio
1.06%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.80%+3.25
Charge-offs
0.45%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.4 | 1.3 | 1.3 | 0.9 | 1.0 | 1.0 | 1.0 |
| ROE | 13.9 | 13.5 | 12.8 | 12.8 | 9.1 | 9.9 | 10.0 | 10.2 |
| Efficiency | 55.0 | 55.1 | 56.5 | 57.8 | 63.6 | 62.8 | 62.0 | 62.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 1.0 | 0.9 | 1.0 | 1.1 | 1.1 | 1.1 |
| Charge-offs | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 | 0.4 |
| Loan/Deposit | 89.2 | 91.0 | 90.3 | 89.1 | 87.4 | 87.2 | 87.5 | 90.8 |
Balance Sheet
Total Assets$229.3B
Total Deposits$162.1B
Total Loans$147.2B
Total Equity$23.4B
Profitability
ROA1.00%
ROE10.20%
Efficiency Ratio62.36%
Net Income$2.3B
Risk & Asset Quality
NPL Ratio1.06%
Charge-off Rate0.45%
Loan/Deposit90.80%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans