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.

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 58).

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 North Carolina

Yes. First-Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.4% of deposits ($65.1B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.34% (benchmark: 10%).

Check how much of your own balance is covered

First-Citizens Bank & Trust Company lists 510 offices in 384 cities across 23 states. Most locations:

• Charlotte, NC (15)
• Raleigh, NC (9)
• Asheville, NC (7)
• Columbia, SC (7)
• Greensboro, NC (6)
• Wilmington, NC (6)
• Greenville, SC (5)
• Los Angeles, CA (5)
• Charleston, SC (4)
• Durham, NC (4)
• Fayetteville, NC (4)
• Atlanta, GA (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 634 consumer complaints about FIRST CITIZENS BANCSHARES, INC. to the company (274 in the last 12 months). 100.0% received a timely response. That is 3.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, First-Citizens Bank & Trust Company reported 20,877 home-loan applications under HMDA (LEI L9VVX1KT5TFTKS0MLF66): 14,381 originated ($5,025,625,000 total), 4,354 denied, and 1,497 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.5%, 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 & Trust Company

Type

State-chartered bank

FDIC certificate #

11063

RSSD ID

491224

Primary regulator

FDIC

Holding company

First Citizens Bancshares Inc

Established

January 1, 1898

Headquarters

239 Fayetteville St, Raleigh, NC 27601

Website

www.firstcitizens.com

Employees

18,010