BlastPoint's Banking Scorecard
First-Citizens Bank & Trust Company
Large
Specialty: Commercial
NC
FDIC cert 11063
Raleigh, NC
69
banks in Large tier nationally
1 in NC
View Large leaderboard (NC) →
First-Citizens Bank & Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1% in Large
- - Credit Risk Growth: Bottom 24% in Large
- - Liquidity Strain: Bottom 27% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.3B
+2.6% YoY
-1.6% QoQ
|
+$154.5B |
$74.9B
-4.4% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$147.2B
+6.1% YoY
+2.8% QoQ
|
+$100.7B |
$46.4B
-2.1% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$162.1B
+4.2% YoY
-0.9% QoQ
|
+$101.6B |
$60.5B
-4.5% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.00%
-21.6% YoY
+2.6% QoQ
|
-0.19% |
1.19%
+17.8% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.30%
-7.6% YoY
+0.5% QoQ
|
-0.16% |
3.46%
+13.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
62.36%
+7.8% YoY
+0.6% QoQ
|
+7.34% |
55.03%
-2.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
1.06%
+13.9% YoY
-6.0% QoQ
|
+0.18% |
0.88%
-0.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
90.80%
+1.9% YoY
+3.7% QoQ
|
+9.08% |
81.72%
+3.9% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
25.39%
+1.4% YoY
-3.7% QoQ
|
+5.42% |
19.97%
+0.5% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.73%
+21.6% YoY
-0.1% QoQ
|
+0.18% |
0.55%
+9.0% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
12.55%
-5.9% YoY
+1.7% QoQ
|
-0.78% |
13.33%
-0.7% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
1.21%
+2.9% YoY
+38.1% QoQ
|
+0.12% |
1.09%
+2.4% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Margin Compression
decline
#1 of 5 · Bottom 1% in Large
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.00%
(Tier: 1.19%, National: 1.12%)
5 of 5 Large banks match
·
147 nationally
→ Stable
-9 banks QoQ
Credit Risk Growth
risk
#7 of 26 · Bottom 24% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#5 of 16 · Bottom 27% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.80%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Assets
Current: $229.3B · Tier avg: $74.9B
97
97th pctile
Total Loans
Current: $147.2B · Tier avg: $46.4B
93
93th pctile
Total Deposits
Current: $162.1B · Tier avg: $60.5B
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.80% · Tier avg: 81.72%
78
78th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 1.09%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.39% · Tier avg: 19.97%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 13.33%
41
41th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.46%
32
32th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.19%
30
30th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.88%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.55%
19
19th pctile
Efficiency Ratio
Current: 62.36% · Tier avg: 55.03%
Top Weaknesses
19
19th pctile
Efficiency Ratio
Current: 62.36% · Tier avg: 55.03%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.55%
30
30th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.88%
32
32th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.19%
41
41th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.46%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 13.33%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.39% · Tier avg: 19.97%
78
78th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 1.09%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.80% · Tier avg: 81.72%
93
93th pctile
Total Deposits
Current: $162.1B · Tier avg: $60.5B
97
97th pctile
Total Loans
Current: $147.2B · Tier avg: $46.4B
100
100th pctile
Total Assets
Current: $229.3B · Tier avg: $74.9B