First Citizens Bank (FDIC #23152): Bank Stress & Real-Estate Credit Exposure

First Citizens Bank (FDIC Cert #23152): bank stress 41/100, contained, STABLE over 7 days; parent FIRST CITIZENS-CRENSHAW BANCSHARES.

First Citizens Bank (#23152) lends in 3 counties across 1 state; First Citizens Bank (#23152) reaches 23 ZIP codes: Alabama 3 counties, 23 ZIPs.

First Citizens Bank (#23152) largest markets: Crenshaw County, AL (22 branches, 11 ZIPs) (#23152), Butler County, AL (8 branches, 8 ZIPs) (#23152), Lowndes County, AL (16 branches, 8 ZIPs) (#23152).

First Citizens Bank (#23152) reports $402.6 million in total assets; First Citizens Bank (#23152) equity $51.4 million (12.8% of First Citizens Bank (#23152) assets); First Citizens Bank (#23152) domestic deposits $344.1 million; First Citizens Bank (#23152) net income $4.0 million; First Citizens Bank (#23152) return on assets 2.01%; First Citizens Bank (#23152) return on equity 16.09%; First Citizens Bank (#23152) net interest income $8.1 million; First Citizens Bank (#23152) call report June 30, 2026.

First Citizens Bank (#23152) noncurrent real-estate loans: none reported; First Citizens Bank (#23152) net charge-offs on real estate 0.93%; First Citizens Bank (#23152) residential charge-offs 1.16%.

First Citizens Bank (#23152) net interest margin 4.35% against an eight-quarter First Citizens Bank (#23152) average of 4.11% (First Citizens Bank (#23152) compression -0.24 points); First Citizens Bank (#23152) non-residential real estate 116.5% of equity; First Citizens Bank (#23152) rate-exposure score 40/100, First Citizens Bank (#23152) fixed-rate trap 40/100; First Citizens Bank (#23152) risk type credit driven; First Citizens Bank (#23152) rate regime rates elevated; First Citizens Bank (#23152) shares 9.4% below the 52-week high, First Citizens Bank (#23152) equity trend stable, First Citizens Bank (#23152) snapshot October 19, 2026.

First Citizens Bank (#23152) stress score moved from 44 on June 22, 2026 to 40.7 on October 19, 2026; First Citizens Bank (#23152) ranged 40.7 to 44 over 116 snapshots.

First Citizens Bank (#23152) alerts: 3 counties; top First Citizens Bank (#23152) alert scores: Greenville County, AL 17 (low); Hayneville County, AL 17 (low); Luverne County, AL 17 (low).