Side-by-side · Q2 2026 data
First-Citizens Bank & Trust Company vs FSNB, National Association
Metric by metric
| Measure | First-Citizens Bank & Trust Company | FSNB, National Association |
|---|---|---|
| TellerScore | 58 | 96 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 63 | 88 (stronger) |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 21st | 99th |
| Total assets | $236.3B | $478.3M |
| Deposits / shares | $174.0B | $369.7M |
| Capital ratio | 9.75% | 17.51% (stronger) |
| Problem loans | 1.12% | 0.36% (stronger) |
| Net charge-offs | 0.29% (stronger) | 1.02% |
| Return on assets | 1.03% | 3.46% (stronger) |
| Loans ÷ deposits | 86.0% | 39.2% (stronger) |
| Uninsured deposits | 37.4% | 8.2% (stronger) |
| Offices | 510 | 66 |
| CFPB complaints (3 yrs) | 632 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
FSNB, National Association has the higher TellerScore (96 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First-Citizens Bank & Trust Company leads on 1 and FSNB, National Association on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.