# FIRST CITIZENS BANK
LUVERNE, AL · FDIC certificate 23152 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $402.6M | |
| Deposits | $344.1M | |
| Loans and leases | $231.5M | |
| Total equity | $51.4M | |
| Loans / deposits | 66.39% (p20 of band) | 82.04% |
| Liquid assets / assets | 37.72% (p80 of band) | |
| Uninsured deposits / deposits | 29.50% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.62% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.30% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -17.52% (p26 of band) | -8.10% |
| AOCI / equity | -1.64% (p11 of band) | |
| ROA (annualized) | 2.01% (p87 of band) | 1.28% |
| Net interest margin | 4.35% (p75 of band) | 3.91% |
| Efficiency ratio | 44.74% (p10 of band) | |
| Noncurrent loans | 0.76% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 173.12% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 50.49% (p56 of band) | |
| Auto loans | $3.2M (1.37% of loans; DQ 0.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 59 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 2 |  | securities losses >30% of equity |
| 2025-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2026-05-28 [HSBC Defeats Most Claims In First Citizens' Poaching Suit - Law360](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZUJZRjRpWXNmdGtCSnQtYzhRbHhhYlEtTzVMMTJmd0pKbmpUWUVYQWtabmh3eGYzclJsNXh1UWdZZWdOSlBiWXN0Z3gxbDBmbWsweUNEQ0hSU3RrUndBRGFBekJ0QnIweE5id25iX2VTcnZTTGttcjVMbGpmNVZsS0tKY2s0MU8wYnVtaWxldVJKRWpDc3F1VTQxYknSAVZBVV95cUxPaEtsUkJxQnU5OWVxOEYzNHNMTUhIc2hsYkpCX3BMS0E4M0l0S2RPUG9VSy1KMXVsUkNmMmlrLXRycW1ZRFpGOFI2cWFMSm1adHcyakNBUQ?oc=5) · Law360
- 2025-03-04 [Luciano Noir-Jones, North Florida Area Executive, First Citizens Bank & Trust - caa - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiswFBVV95cUxQa2wtbU1yMEFMX19BWkx6ZUM4VU5lcE9qN1NkdjVLaXhzbEE0WFMxYlBWQW5aR0pzWXpZNkhNa3VuWXVwbkFRQkh0OEh2SG56d3FFQ0VPdXdOb1NRM2RhcDlLelpmNEJneE9XdzU5WjNJem9EX3RVcHROaThBMEZ2OWVkcTdTVDVCODJMVVFEUjZTSEkzSHV1WlEzWWk0blpzVVdFcWpuejd1TWdBWWVITWlkOA?oc=5) · Capital Analytics Associates
- 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
- 2023-03-27 [CNBC Daily Open: First Citizens struck a great bargain - CNBC](https://news.google.com/rss/articles/CBMikgFBVV95cUxOODJ4NldOdGZPUnZhWm9FcE1uLWZEb0ZpdERDcGk0bmlfb3pjNU54N1V4Qnlha0ZBSklmUW9ONTItbkNFVXhFTVZWZnJaVkltWFJoQUR6dS1pdGoyM1haYlEwdVBvUzhOTzNOTXN4SENkejNMQlM3aE1LTTl2dEJfbEdQeTR3WG0xa2FTMlFwWDZWQdIBlwFBVV95cUxNczkyX2N2X0RVcmtBdnVUVlBzd1ZwMmlUQXlBbVE1LXdPZE5TVmtjcHA5TWJ1OUNqUXF2cGNBa0I1N2xxbTVkTDBZZlhwNktOMEpEeWc0NlQxSFZhbEpienhtcDE4UUZYOHVqVjhZN1gtQkRCbXBydDQ1NWNVamF4NXVVLTJ6YVViQk41NDI3SHZudUxzQ1Ew?oc=5) · CNBC
- 2022-01-05 [First Citizens completes CIT Group merger - Banking Exchange](https://news.google.com/rss/articles/CBMilgFBVV95cUxQdE1acUdDMHAzbUNzbWJINGFzVjFKMVdTUFotRHVhWGRNZ2hWWWFJU2RLc1E1QTk1VmFlUXYyT3BQSHZ1NTBQczVSaXR4OEZZUlJzb212SGVwYnlKV3htbE5nTU1vb2FodTVjYWpMcUFxbXZ0RkVJUnFGWnpla0RuX3h3dG42NzJOMEVyQ0JpQnJodmtvQ0E?oc=5) · Banking Exchange
- 2023-03-27 [Banking sector sees boost as First Citizens acquires failed SVB - Al Jazeera](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNkJiR3B1NFJzVmhCek4zSDNZMFgwUVEtWTJqaTlIVkJIdWRNQWtqTVcxZWRWcXdmbE5WdlZhYTgxZlY5Q0FmdFhNQWdkYzRESmpDRWpKUWdITER4a1dqSGFtSFUzR0FpSld4UVo1WmNFTi03ZVU2Q1Rja1RFaDFlNkp0TkRfd1QzU2JaQWw3WlN6S0JIWnRsWkJGONIBoAFBVV95cUxQMzRWQVdENm9Db0lTUVRrYUVtN1lqNEZDenh1RWRadEw5TWx5QlhNOGhWUkJ3S3p2RUdyRWJzS1VHV0hEY05BYUpJSkJ4OXdJZkt4Ukc5LTFuZFd0U3BZUDNLWHBxNmtjWVBVUTU1OG1SbUZpTU8wVmVKNlNLeUlLTlcxLW1PN25tbHZzVW54MUVTQUJWZUU2dmJaWi16cEZM?oc=5) · Al Jazeera
- 2023-10-26 [First Citizens reports strong third quarter, led by deposit growth - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxNY0E2VTZoeWRrUzhGWHR0YTVEWjN4RXhrSWlfLWttdmV1bVNjcEFBY2ZCRkpUNzBuaDE4WnFyR2xSMW9fVXhZOE52RGJrNkRZaU1QZ0N3aU16Qmt5QWhJYWdmMVZpZW1rZmFWYWZBc3YyY2p5VElHOGRQRnI1VGpraHRYM0pYUy1XWDZuanY5cnhrc1BYNlN4dkY3RWJRZDNpZ0VF?oc=5) · American Banker
- 2025-05-19 [Alabama’s community banks promote hometown connections, friendly service - Business Alabama Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxPR1R6bG5ub3JQOXpGRV9sb0NMd0ZXRUc0V08zVHBINmZ5NVp5ZzBVRHZNZ1U1TG1yMnJMYlcyZTVfa1gtdEw3UU5BcThwM3JEUlVUNl9FTk1WdWF3Q0NDQmdHaW9jV245enotMUxCVDIzRVBpbDNxR0Y5bDlxRlVDdW5JZTJqQlVkRHk3TEFjdDJUc21DY2FheEN2eXBwVjls?oc=5) · Business Alabama Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23152 (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/48.json (key "23152", 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