The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 10 points (77 → 87), mostly because the loan quality component improved by 21 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Alabama

Yes. First Citizens Bank is an FDIC-insured institution (FDIC certificate #23152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.5% of deposits ($101.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Citizens Bank lists 5 offices in 5 cities. Most locations:

• Fort Deposit, AL (1)
• Greenville, AL (1)
• Hayneville, AL (1)
• Highland Home, AL (1)
• Luverne, AL (1)

All branch addresses and map

In 2025, First Citizens Bank reported 105 home-loan applications under HMDA (LEI 549300ZX7CMZ93QCZQ91): 103 originated ($13,015,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Citizens Bank

Type

State-chartered bank

FDIC certificate #

23152

RSSD ID

541231

Primary regulator

FDIC

Holding company

First Citizens-Crenshaw Bancshares

Established

July 8, 1980

Headquarters

100 W 3rd St, Luverne, AL 36049

Website

www.fcbl.com

Employees

59