First-Citizens Bank&Trust Co (FDIC #11063): Bank Stress & Real-Estate Credit Exposure
First-Citizens Bank&Trust Co (FDIC Cert #11063): bank stress 71/100, elevated, STABLE over 7 days; parent FIRST CITIZENS BANCSHARES INC.
First-Citizens Bank&Trust Co (#11063) lends in 221 counties across 23 states; First-Citizens Bank&Trust Co (#11063) reaches 4,900 ZIP codes: North Carolina 69 counties, 680 ZIPs; South Carolina 38 counties, 389 ZIPs; Virginia 25 counties, 255 ZIPs; Georgia 17 counties, 209 ZIPs; California 13 counties, 969 ZIPs; Florida 13 counties, 490 ZIPs.
First-Citizens Bank&Trust Co (#11063) largest markets: Los Angeles County, CA (6,992 branches, 304 ZIPs) (#11063), Harris County, TX (143 branches, 143 ZIPs) (#11063), Maricopa County, AZ (560 branches, 140 ZIPs) (#11063), San Diego County, CA (812 branches, 116 ZIPs) (#11063), San Bernardino County, CA (200 branches, 100 ZIPs) (#11063), Dallas County, TX (95 branches, 95 ZIPs) (#11063).
First-Citizens Bank&Trust Co (#11063) reports $236.32 billion in total assets; First-Citizens Bank&Trust Co (#11063) equity $23.11 billion (9.8% of First-Citizens Bank&Trust Co (#11063) assets); First-Citizens Bank&Trust Co (#11063) domestic deposits $173.95 billion; First-Citizens Bank&Trust Co (#11063) net income $1.20 billion; First-Citizens Bank&Trust Co (#11063) return on assets 1.03%; First-Citizens Bank&Trust Co (#11063) return on equity 10.29%; First-Citizens Bank&Trust Co (#11063) net interest income $3.34 billion; First-Citizens Bank&Trust Co (#11063) call report June 30, 2026.
First-Citizens Bank&Trust Co (#11063) noncurrent real-estate loans 0.13% of its book; First-Citizens Bank&Trust Co (#11063) multifamily 0.52%; First-Citizens Bank&Trust Co (#11063) residential 0.23%; First-Citizens Bank&Trust Co (#11063) net charge-offs on real estate 1.65%; First-Citizens Bank&Trust Co (#11063) commercial charge-offs 0.54%; First-Citizens Bank&Trust Co (#11063) multifamily charge-offs 6.44%; First-Citizens Bank&Trust Co (#11063) residential charge-offs 2.13%.
First-Citizens Bank&Trust Co (#11063) net interest margin 3.14% against an eight-quarter First-Citizens Bank&Trust Co (#11063) average of 3.32% (First-Citizens Bank&Trust Co (#11063) compression 0.18 points); First-Citizens Bank&Trust Co (#11063) real-estate loans 12.9% of equity; First-Citizens Bank&Trust Co (#11063) commercial real estate 54.0% of equity; First-Citizens Bank&Trust Co (#11063) non-residential real estate 213.3% of equity; First-Citizens Bank&Trust Co (#11063) rate-exposure score 55/100, First-Citizens Bank&Trust Co (#11063) fixed-rate trap 55/100; First-Citizens Bank&Trust Co (#11063) risk type credit driven; First-Citizens Bank&Trust Co (#11063) rate regime rates elevated, First-Citizens Bank&Trust Co (#11063) snapshot October 20, 2026.
First-Citizens Bank&Trust Co (#11063) stress score moved from 69.8 on June 22, 2026 to 70.8 on October 20, 2026; First-Citizens Bank&Trust Co (#11063) ranged 69.8 to 70.8 over 117 snapshots.
First-Citizens Bank&Trust Co (#11063) alerts: 40 counties; top First-Citizens Bank&Trust Co (#11063) alert scores: Washington County, NC 51 (elevated); Johnston County, NC 44 (moderate); Franklin County, NC 43 (moderate); Cherokee County, NC 41 (moderate); Wilson County, NC 40 (moderate).