Unverified listing What this means
The Lender Report built this page from public records. First-Citizens Bank & Trust Company has not reviewed it. Every lender's page starts this way, and it says nothing about First-Citizens Bank & Trust Company itself. Each figure shows its source and date. Work at First-Citizens Bank & Trust Company? You can claim this page for free.
Bank, Raleigh, NC
First-Citizens Bank & Trust Company
A bank based in Raleigh, NC. Its commercial book is led by C&I and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $75.7B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 41
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 1,033
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $236B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 888-323-4732 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.firstcitizens.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- firstcitizens.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- First Ciitizens Bank and Trust; First Citizens BancShares IncFDIC institution record,
- Address
- 239 Fayetteville St, Raleigh, NC 27601FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. First-Citizens Bank & Trust Company recorded 186 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 114 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 10 opened, 30 closed, 2 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 239 under Preferred Lender authority, 149 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Fiscal 2026 | The holding company reported a balance of $21.6B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 0.4% to $35.9B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 5.4% to $16.8B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 3.4% to $7.6B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 44,540 small business loans totaling $5.1B in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
| 2023-10 to 2026-09 | Named as the lender on 26 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Texas | SBA 7(a), Offices of Dentists | $2.8M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Maryland | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $2.5M | 8.25% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Transportation and Warehousing | $2.3M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Transportation and Warehousing | $2.1M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Other Management Consulting Services | $2M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Offices of Dentists | $1.9M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Full-Service Restaurants | $1.9M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Information | $1.6M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Flooring Contractors | $1.2M | 9.25% | 25 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 504, Health Care and Social Assistance | $5.1M | 25 yr | SBA FOIA | ||
| Jul 2026 | California | SBA 504, General Freight Trucking, Local | $840K | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Retail Trade | $670K | 25 yr | SBA FOIA | ||
| May 2026 | Colorado | SBA 504, Lessors of Miniwarehouses and Self-Storage Units | $4.4M | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Insurance Agencies and Brokerages | $870K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Furniture Merchant Wholesalers | $1.3M | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Health Care and Social Assistance | $780K | 25 yr | SBA FOIA | ||
| May 2026 | Georgia | SBA 504, Health Care and Social Assistance | $160K | 25 yr | SBA FOIA | ||
| 2025 | Pima County, AZ | Refinance, 5 to 24 units | $400K | 7.35% | 5 yr | 31% | HMDA 2025 |
| 2025 | Milwaukee County, WI | Refinance, 5 to 24 units | $960K | 6.9% | 5 yr | 80% | HMDA 2025 |
| 2025 | Riverside County, CA | Purchase, 25 to 49 units | $2.9M | 5.45% | 30 yr | 52% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 25 to 49 units | $4.2M | 5.75% | 30 yr | 60% | HMDA 2025 |
| 2025 | Dallas County, TX | Refinance, 150 or more units | $31M | 6.2% | 30 yr | 59% | HMDA 2025 |
| 2025 | Riverside County, CA | Purchase, 25 to 49 units | $3.1M | 5.45% | 30 yr | 50% | HMDA 2025 |
| 2025 | Sacramento County, CA | Purchase, 5 to 24 units | $1.4M | 6.6% | 5 yr | 50% | HMDA 2025 |
| 2025 | San Diego County, CA | Refinance, 5 to 24 units | $280K | 7.3% | 3 yr | 12% | HMDA 2025 |
| 394 SBA 7(a) loans since October 2023, net of cancelled | $409M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 26 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name First-Citizens Bank & Trust Company as the lender, totaling $338M.
- 4 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Other | 8 | $103M |
| Mixed use | 7 | $57.6M |
| Multifamily | 4 | $79.0M |
| Retail | 4 | $64.0M |
| Office | 3 | $35.0M |
| Borough | Mortgages |
|---|---|
| Manhattan | 13 |
| Brooklyn | 8 |
| Queens | 5 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $2.97B | 2.0% | -14.3% |
| Construction and land development | $7.34B | 4.9% | +15.3% |
| Owner-occupied CRE | $16.8B | 11.1% | +5.4% |
| Non-owner-occupied CRE | $11.7B | 7.7% | -7.9% |
| Farmland | $1.07B | 0.7% | -0.6% |
| Commercial and industrial | $35.9B | 23.7% | +0.4% |
| Commercial total | $75.7B |
Reference only: $24.5B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $71.4B |
| Q4 2023 | $72.6B |
| Q1 2024 | $73.7B |
| Q2 2024 | $74.5B |
| Q3 2024 | $75.4B |
| Q4 2024 | $74.9B |
| Q1 2025 | $75.8B |
| Q2 2025 | $75.3B |
| Q3 2025 | $75.8B |
| Q4 2025 | $75.8B |
| Q1 2026 | $76.2B |
| Q2 2026 | $75.7B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 41 | $233M | $955K | $44M | HMDA, |
| Multifamily, 5 or more units | 2024 | 131 | $865M | $1.96M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 457 | $156M | $205K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 394 | $409M | $565K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 186 | $169M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 639 | $1.06B | $1.09M | $16M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens (several rules: name and lender office city; holding company name, bank with 80% or more of the group's assets).
| Industry | Loans | Dollars |
|---|---|---|
| Full-Service Restaurants | 34 | $43.5M |
| Offices of Physicians (except Mental Health Specialists) | 31 | $60.7M |
| Offices of Dentists | 26 | $33.4M |
| Manufacturing | 23 | $40.3M |
| Automotive Body, Paint, and Interior Repair and Maintenance | 22 | $30.4M |
| General Automotive Repair | 22 | $18.2M |
| All Other Specialty Trade Contractors | 20 | $30.9M |
| Child Care Services | 19 | $29.5M |
| Offices of Lawyers | 19 | $20.7M |
| Wholesale Trade | 17 | $37.4M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for medical practices, SBA lenders for dental practices.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- First-Citizens Bank & Trust Company reported making 44,540 small business loans totaling $5,106,091,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 33,073 of $100,000 or less, 6,638 over $100,000 up to $250,000, 4,829 over $250,000 up to $1 million.
- 22,450 of them, totaling $1,776,998,000, went to businesses with revenue of $1 million or less.
- First-Citizens Bank & Trust Company reported making 2,173 small farm loans totaling $233,095,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1,489 of $100,000 or less, 426 over $100,000 up to $250,000, 258 over $250,000 up to $500,000.
- 1,305 of them, totaling $106,219,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Wake County, NC | 1,278 | $153M |
| Mecklenburg County, NC | 1,109 | $141M |
| Los Angeles County, CA | 814 | $177M |
| Richland County, SC | 729 | $70.6M |
| Charleston County, SC | 582 | $75.4M |
| New Hanover County, NC | 554 | $63.5M |
| Maricopa County, AZ | 541 | $98.8M |
| San Diego County, CA | 538 | $98.1M |
| Miami-Dade County, FL | 535 | $89.2M |
| Buncombe County, NC | 533 | $59.9M |
| County | Loans | Total |
|---|---|---|
| Sampson County, NC | 128 | $12.4M |
| Duplin County, NC | 80 | $7.93M |
| Greene County, NC | 56 | $6.29M |
| Robeson County, NC | 48 | $5.26M |
| Johnston County, NC | 41 | $5.39M |
| Florence County, SC | 38 | $4.61M |
| Lenoir County, NC | 36 | $5.42M |
| Union County, NC | 35 | $5.31M |
| Columbus County, NC | 34 | $5.33M |
| Clarendon County, SC | 33 | $4.61M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First-Citizens Bank & Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $433,000,000 for 1-4 family residential construction and $6,984,000,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $18,682,000,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 98,902 | $1.28B |
| Over $100,000 up to $250,000 | 19,647 | $1.52B |
| Over $250,000 up to $1 million | 13,765 | $2.42B |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 435 | $17.0M |
| Over $100,000 up to $250,000 | 1,724 | $190M |
| Over $250,000 up to $1 million | 7,680 | $2.84B |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 81 | $3.00M |
| Over $100,000 up to $250,000 | 160 | $17.0M |
| Over $250,000 up to $500,000 | 145 | $29.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1,076 | $27.0M |
| Over $100,000 up to $250,000 | 613 | $51.0M |
| Over $250,000 up to $500,000 | 340 | $54.0M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California | 55 | 15 | 26 | 78 | 431 |
| North Carolina HQ | 196 | 9 | 218 | 60 | 4 |
| South Carolina | 113 | 4 | 109 | 64 | 3 |
| Florida | 27 | 1 | 4 | 38 | 77 |
| Georgia | 26 | 0 | 15 | 31 | 30 |
| Virginia | 35 | 0 | 25 | 28 | 2 |
| Texas | 9 | 2 | 7 | 11 | 14 |
| Arizona | 5 | 1 | 3 | 15 | 11 |
| Tennessee | 6 | 0 | 8 | 14 | 2 |
| Washington | 6 | 0 | 1 | 11 | 6 |
| Wisconsin | 7 | 6 | 9 | 0 | 1 |
| Colorado | 5 | 0 | 2 | 7 | 7 |
Also in MD, NV, MA, OR, OK, MO, NE, NM, KS, WV, HI, UT, NY, MI.
| County | Recorded loans | Dollars |
|---|---|---|
| Los Angeles County, CA | 41 | $172M |
| San Diego County, CA | 9 | $50.1M |
| Milwaukee County, WI | 9 | $3.81M |
| San Francisco County, CA | 6 | $61.2M |
| San Bernardino County, CA | 5 | $36.5M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 41 | $172M |
| Riverside-San Bernardino-Ontario, CA | 9 | $72.7M |
| San Diego-Chula Vista-Carlsbad, CA | 9 | $50.1M |
| Milwaukee-Waukesha, WI | 9 | $3.81M |
| San Francisco-San Mateo-Redwood City, CA | 6 | $61.2M |
| Greenville-Anderson-Greer, SC | 6 | $5.76M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First-Citizens Bank & Trust Company has 516 offices in 221 counties and 23 states (FDIC Summary of Deposits, June 30, 2026): 510 full service and 6 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Los Angeles County, CA | 23 | 0 |
| Wake County, NC | 17 | 0 |
| Mecklenburg County, NC | 16 | 0 |
| Buncombe County, NC | 11 | 0 |
| Richland County, SC | 10 | 1 |
| Charleston County, SC | 8 | 1 |
| Greenville County, SC | 9 | 0 |
| Spartanburg County, SC | 9 | 0 |
| Guilford County, NC | 8 | 0 |
| San Diego County, CA | 7 | 0 |
| Cumberland County, NC | 7 | 0 |
| Orange County, CA | 6 | 0 |
| Forsyth County, NC | 6 | 0 |
| New Hanover County, NC | 6 | 0 |
| Lexington County, SC | 6 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $3.65B | $2.44B to $8.55B across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 90.2% | 58.3% to 109.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 30.1% | 11.7% to 25.2% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 86.9% | 59.5% to 84.2% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $7.57B | $4.07B to $12.5B across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 3.4% from a year earlier. | FDIC call report, |
| Loans to assets | 64.0% | 48.2% to 67.5% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 239 loans (60.7%)
- SBA Express
- 149 loans
- Approval to first disbursement
- 19 days, median of 339
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Truist Bank | NC | $548B | $128B |
| Manufacturers and Traders Trust Company | NY | $219B | $69.1B |
| Citizens Bank, National Association | RI | $233B | $55.0B |
| BMO Bank National Association | IL | $255B | $74.0B |
| The Huntington National Bank | OH | $283B | $92.8B |
| Fifth Third Bank, National Association | OH | $299B | $104B |
| TD Bank, National Association | DE | $343B | $53.9B |
| Regions Bank | AL | $160B | $43.8B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. First-Citizens Bank & Trust Company, FDIC certificate 11063. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $236B in total assets and $75.7B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 1,662 recorded loans from HMDA and SBA files, through September 30, 2026: 41 HMDA multifamily 2025, 131 HMDA multifamily 2024, 457 HMDA 1-4 unit investor 2025, 394 SBA 7(a) in 36 months, 639 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to First-Citizens Bank & Trust Company]
- Phone and website. Phone 888-323-4732, from the lender's website on November 9, 2026. Website firstcitizens.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 44,540 small business loans reported in its CRA filing for 2024. [Source]
- Recorded mortgages, New York City. 26 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 11063
- RSSD
- 491224
- LEI
- L9VVX1KT5TFTKS0MLF66
- The Lender Report ID
- lr_000019
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Raleigh-Cary, NC
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $236.3B in total assets as of June 30, 2026 (FDIC call report).
- Held $75.7B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $35.9B of commercial and industrial loans as of June 30, 2026, up 0.4% from a year earlier (FDIC call report).
- Held $16.8B of owner-occupied commercial real estate loans as of June 30, 2026, up 5.4% from a year earlier (FDIC call report).
- Held $11.7B of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Originated 41 multifamily loans totaling $232.6M in 2025 (HMDA).
12 more sentences
- Originated 131 multifamily loans totaling $864.8M in 2024 (HMDA).
- Originated 457 1-4 unit investor or business-purpose loans totaling $155.7M in 2025 (HMDA).
- Recorded 406 SBA 7(a) approvals totaling $427.3M from October 1, 2023 to September 30, 2026, of which 12 were later cancelled (SBA).
- Provided the first lien on 657 SBA 504 projects with $1.1B in first-lien dollars from October 1, 2023 to September 30, 2026, of which 18 were later cancelled (SBA).
- Listed 517 offices in 23 states (FDIC).
- Reported making 44,540 small business loans totaling $5.1B in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 2,173 small farm loans totaling $233.1M in 2024, in its Community Reinvestment Act filing (FFIEC).
- First Citizens Bancshares Inc reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $21.6B of loans originated in fiscal 2026 (SEC filing).
- Held 132,314 commercial and industrial loans that were $1 million or less when made, with a balance of $5.2B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 9,839 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $3B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $433M for 1-4 family and $7B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 26 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $337.7M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, First-Citizens Bank & Trust Company, https://lender.report/lender/first-citizens-bank-and-trust-nc/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, September 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at First-Citizens Bank & Trust Company? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem