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First-Citizens Bank & Trust Company

Raleigh, North CarolinaFDIC Cert #11063

STATEEstablished 1898518 branches

Holding company: FIRST CITIZENS BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.46%
−26.9%y/y
Peer standing32nd percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP3ASSET + LNLSGR
90+ %
0.16%
+72.1%y/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.95%
+10.2%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNAASSET + LNLSGR
Noncurrent %
1.12%
+16.3%y/y
Peer standing29th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.76%
+18.8%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.78B
+22.4%y/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.31%
−25.5%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNTLNLS + LNLSGR
NCO
$112M
−22.2%y/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.04%
−12.4%y/y
Percentile by value36th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNATRES + LNLSGR
30–89
$695M
−22.6%y/y
Peer standing46th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP3ASSET
90+
$244M
+82.1%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET
Nonaccrual
$1.43B
+16.6%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNAASSET