First-Citizens Bank & Trust Company
For information concerning OneWest Bank, a division of First-Citizens Bank and Trust online bank, please click here .
Phone: 888 323 4732
ACH Number: 053100300
SWIFT Code: FCBTUS33XXX
First-Citizens Bank & Trust Company is an FDIC insured institution headquartered at
239 Fayetteville St, Raleigh, NC 27601.
It was founded in
1898 and has approximately $233 billion in assets. Customers can open an account at one of its 616 branches.
It was founded in 1898 and has approximately $233 billion in assets. Customers can open an account at one of its 616 branches.
Deposit Rates - March 22, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.10% | $25 | Compare |
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Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 11063 |
| Date Established | 1898 |
| Assets | $ 233.17 billion |
| Loans | $ 143.22 billion |
| Deposits | $ 163.58 billion |
| Capital | $ 22.33 billion |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 25.38 billion |
| Interest-bearing balances | $ 24.54 billion |
| Total securities | $ 45.01 billion |
| Federal funds sold and reverse repurchase | $ 83.00 million |
| Net loans and leases | $ 143.22 billion |
| Loan loss allowance | $ 1,651.00 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 95.00 million |
| Goodwill and other intangibles | $ 543.00 million |
| All other assets | $ 12.36 billion |
| Total Assets | $ 210.84 billion |
| LIABILITIES | |
| Total deposits | $ 163.58 billion |
| Interest-bearing deposits | $ 120.44 billion |
| Deposits held in domestic offices | $ 163.58 billion |
| % insured (estimated)" | 63.58% |
| Federal funds purchased and repurchase agreements | $ 423.00 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 2.70 billion |
| Subordinated debt | $ 434.00 million |
| All other liabilities | $ 3.24 billionn |
| Total Liabilities | $ 210.84 billion |
| Shareholders’ Equity | $ 22.33 billion |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 8.84 billion |
| Total Interest Expense | $ 3.70 billion |
| Net interest income | $ 5.14 billion |
| Provision for loan and lease losses | $ 460.00 million |
| Total non interest income | $ 2.04 billion |
| Total non interest expense | $ 4.49 billion |
| Pre-tax Net Operating Income | $ 576.31 million |
Customer Reviews for First-Citizens Bank & Trust Company (3)
Rated 3.00 stars out of 5 - based on 3 reviews
Branches
Click on location and enter new zip number to change."
Your current location is: New York City, NY
Something has changed
May 3, 2023 |
Something changed with CIT. They are offering a higher rate, but funding it by substantially increasing the hold times on transfers out and in. Marcus is terrible with the rates, but I can still get my money in and out fast. I thought CIT was always better. Now, less sure.
Wont open account
April 18, 2023 |
Sorry, we can not open account for you at this time. ????
Holdtimes
October 13, 2022 |
I just banks by their hold times and this one is out of hand now. Fortunately, they do have a call back option (and they do call back much later). My prior experiences with the bank would lead to a 5-star rating, but I am giving it 4-stars because it does sometimes take hours (even with the call back).