# FIRST CITIZENS BANK
ELIZABETHTOWN, KY · FDIC certificate 19304 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $295.9M | |
| Deposits | $248.5M | |
| Loans and leases | $181.8M | |
| Total equity | $27.8M | |
| Loans / deposits | 72.67% (p47 of band) | 74.46% |
| Liquid assets / assets | 32.89% (p54 of band) | |
| Uninsured deposits / deposits | 30.36% (p91 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.13% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.76% (p31 of band) | 10.76% |
| Unrealized securities loss / equity | -1.80% (p36 of band) | -0.86% |
| AOCI / equity | -1.65% (p41 of band) | |
| ROA (annualized) | 1.69% (p90 of band) | 0.85% |
| Net interest margin | 3.38% (p33 of band) | 3.68% |
| Efficiency ratio | 60.44% (p20 of band) | |
| Noncurrent loans | 0.06% (p21 of band) | 0.62% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 1172.22% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 77.28% (p90 of band) | |
| Auto loans | $215,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $6.7M (24% of equity) (p100 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 87 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 3 | deposits shrinking | capital falling |
| 2012-09 | 2 |  | deposits shrinking |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | construction >100% equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [BMO completes sale of 138 U.S. branches to First Citizens Bank - Toronto Star](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNazJpSW5iU0c2NG00aTkzYjZidzhrM2I5aU1vMllLY0Q2dnRXMmJfOFRxNmVPVkthb2ZCRVFQbEtzd0JXRGJURW5FTXNFdnZQY0ltWDhubllhYnZoVU94R1RQWEFqLVExUTREU2RkNDhGb2dSbkxDQldnXzlBSkFUakNydG52bVhIOXQ3enhDQlVVS09tTVZyUE9VN2ktRTVXVjVLa0ZQU3V0RHBSNDVsSENRSHRSbUdGN2o1Y0t3QmdqU2MtaVJZTUdOejRERkh2Nm01WDFQSnNETHF3?oc=5) · Toronto Star
- 2026-06-15 [Spotting Winners: First Citizens BancShares (NASDAQ:FCNCA) And Regional Banks Stocks In Q1 - The Globe and Mail](https://news.google.com/rss/articles/CBMiggJBVV95cUxNenZkc2RTVlFhM3psWlNZTWpKU0tTdnRjZ3VfVC10RnM1dUpjWHZ2SWE3QklrQnFZeVVhOU5LdzVreFNHNWFFOUpSMFFhSmk5NWZsWTNMckwxckVtdlpSZlZHUTJoX1FIN0VuM0hpNk9oNDFQR0c2TDJsRHM2M2lWdzNXYjlsNmZIZ25GYnR4SE9xdmtWTzFNcHpXZ21ZVWI2UVFNNV9QT0Q3RHRXczZfMTE1NnVNUVNkRHJQWjF5VWhpQl91VzlPa0U5UTJQT2xtWUs1ZEctZWJIejZEMmY0TmRid3kzTHU1VUgyZHNnZElBRXJfMUI2WFhYcURvM2t3YkE?oc=5) · The Globe and Mail
- 2026-03-07 [Christopher Gilmore: Raleigh man sentenced to 15 years in federal prison for armed bank robbery - ABC11 News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOdmJKWE53eldjTVVFelJRYmhWNVl6ekRYQm84emR5ZjNCbC10aG1WdHg4U3JyY2t6NWNQQ1pfcUdKMVdqbU84dHJTcndyZE5mMW43RFBZS3EzOUc0M01ySWtNSlh5Zi1PdF9DcHV6WGI0TEFfaGRkQU15UzBlOEpmeDFqYm9zdE1POTdPOUJ5N05tTi14M00zcUttRGtENXZXeTNwcVpYLWU2NGt2SW55UDVRSXBMcV9W0gG-AUFVX3lxTFAwVUloOEUxM0FQWjNrRGpKMHZnWWRNX3dyUDZuNUJHdVZhb2RMTGtmMnBQWGNoVXpKb0RacUYtR1Bfa0IycmtoYWRqZzkxdkFFLTFHNDFLRzd2WWQ2cV8zVUpIX0dqb3hzamtJS011aXpCajZNTkZiZjJzNWpQU1lOUklPbjNhOWJxNTNxbDItYkYtNUtNbTB0MVNlTlBUS0JONE5jenFuXy1BS21taEhzTGJ0a1BaNTJkNnhhd3c?oc=5) · ABC11 News
- 2026-05-11 [20 Largest Banks in the U.S. - NerdWallet](https://news.google.com/rss/articles/CBMickFVX3lxTFA2ajJFNmZiUURTQUM3MzNWb0xTLVN4dXZCWWNBMjB6SGRYcW9talZEZDZLQTZNYVBNYlRkTUlPM2x1MmQ5cmVfdVhYd2FNY3M2WUU2aEY5VURNWVplN2VXanlvS0dFOVJ1VW9iYlFyN1k0dw?oc=5) · NerdWallet
- 2025-11-07 [Out-of-state bank eyes West Tennessee for growth with merger - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSnlpTDE2cndOMFF5Q2NFd1JWeVYzUVBPTXdndC1zMThldFBBSnBvc0RwSWdxN0JUTUd1aHM3NDZvNGdoN0dzWkJQU1pmcHpYZnNvMmZQYi16a3hKSDhyTjBYOXRRTzlTQS1vbnlTR2hQSEpkVW4zTEtnQUwwS2lpTE5xT2J6Z1NmVmlQR3NHaDU1WWJXQWd3M2F5T2hqZ1lGOThUb3ZB?oc=5) · The Business Journals
- 2025-11-08 [Jackson location included in bank acquisition by Ohio-based Park National Corp. - Talk-N West TN](https://news.google.com/rss/articles/CBMitAFBVV95cUxPalVoWDBDRG1wNndzMThyb1QxS1RHMHhnRVdTWDFZZm1ad2poUWNxUHJOcDlCbFlTZS1VdVVTTzNiM1Y2bU5Od3d0V3dtMjlVRjUyRmpVQ1VwWGZId3BzQlN3bXB5aVlXdFZZeWpIeHRwSHBzQi1qcFVGYWhsUFZVdl9DV1BsNlVSMWJJZkJ6cWNGdzh1dWJqN3JzclI1MC1kcEVEbDluamVlY2ZsOFByXy14ME0?oc=5) · Talk-N West TN
- 2023-03-27 [Deal to buy Silicon Valley Bank calms bank fears, for now - AP News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNYVBLT3pNU2M2SndXN0IxcENkd1JRU0FDT1R0TmljSmJnQUtBR0N3dEZFQmtLNlNkTG9Ed1RrNDIzQmFNQW5QcEtXbXpHaEZmUlJzaVBpSzRsSjBsZm1zTVIxU2pmaXJGOVBTc0t1MkxIZ2VROWFoMnNBUlhQZXlXN0lHcGRBTW9VZUZXWWlGZ00tMnA4d2N3VVlHQXA?oc=5) · AP News
- 2025-03-09 [Carly Davison, First Citizens Bank - journalrecord.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1ObmxWNTJrMjk2akNWMkNLWW5qU2J2YzBBVnZfdmExVVlZSGZiamplSkFkUm9UVEtvTXEtb0ZjNFpUb0IxN1ZYdzlxR0JlV2RieDJtSzhSVkZZSGdQWTlZQ0FkakNXb25uaGh4TXY0aF9Oc0RlVWVXVkxmTQ?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19304 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "19304", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide