First-Citizens Bank & Trust Company
For information concerning OneWest Bank, a division of First-Citizens Bank and Trust online bank, please click here.
First-Citizens Bank & Trust Company ACH Number: 053100300
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 $214 billion in
assets. Customers can open an account at one of its 616 branches.
Deposit Rates - March 19, 2024
SAVINGS RATES | APY | MIN | |
---|---|---|---|
SAV
|
0.03% | $25 | Compare |
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Overview 2024
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 11063 |
Date Established | 1898 |
Assets | $ 213.64 billion |
Loans | $ 131.63 billion |
Deposits | $ 146.42 billion |
Capital | $ 20.41 billion |
Summary Balance Sheet as of June 30, 2023
ASSETS | |
Cash & Balances due from depository institutions | $ 37.36 billion |
Interest-bearing balances | $ 36.68 billion |
Total securities | $ 26.74 billion |
Federal funds sold and reverse repurchase | $ 548.79 million |
Net loans and leases | $ 131.63 billion |
Loan loss allowance | $ 1,673.39 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 60.04 million |
Goodwill and other intangibles | $ 659.11 million |
All other assets | $ 12.36 billion |
Total Assets | $ 193.23 billion |
LIABILITIES | |
Total deposits | $ 146.42 billion |
Interest-bearing deposits | $ 103.09 billion |
Deposits held in domestic offices | $ 146.42 billion |
% insured (estimated) | 62.17% |
Federal funds purchased and repurchase agreements | $ 452.60 million |
Trading liabilities | N.A. |
Other borrowed funds | $ 2.70 billion |
Subordinated debt | $ 584.87 million |
All other liabilities | $ 3.24 billionn |
Total Liabilities | $ 193.23 billion |
Shareholders’ Equity | $ 20.41 billion |
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES | |
Total Interest Income | $ 7.29 billion |
Total Interest Expense | $ 2.46 billion |
Net interest income | $ 4.83 billion |
Provision for loan and lease losses | $ 1,126.89 million |
Total non interest income | $ 11.59 billion |
Total non interest expense | $ 3.85 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
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First-Citizens Bank & Trust Company Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1ONLINE SAVINGSBank-$50,000N.A.0.03%0.14x (National Avg. - 0.21%)$25-SCENARIO
Year Rate
0.03%Annual
InterestAnnual Interest
(After Tax)1 50,000 15 11 2 50,015 15 11 3 50,030 15 11 4 50,045 15 11 5 50,060 15 11 6 50,075 15 11 7 50,090 15 11 8 50,105 15 11 9 50,120 15 11 10 50,135 15 11 11 50,150 15 11 12 50,165 15 11 13 50,180 15 11 14 50,195 15 11 15 50,210 15 11 16 50,225 15 11 17 50,241 15 11 18 50,256 15 11 19 50,271 15 11 20 50,286 15 11 TOTAL $301 $211 - 2LOCAL SAVINGSOnline Bank-$50,000N.A.5.10%24.40x (National Avg. - 0.21%)$0-SCENARIO
Year Rate
5.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,550 1,785 2 52,550 2,680 1,876 3 55,230 2,817 1,972 4 58,047 2,960 2,072 5 61,007 3,111 2,178 6 64,119 3,270 2,289 7 67,389 3,437 2,406 8 70,825 3,612 2,528 9 74,437 3,796 2,657 10 78,234 3,990 2,793 11 82,224 4,193 2,935 12 86,417 4,407 3,085 13 90,824 4,632 3,242 14 95,456 4,868 3,408 15 100,325 5,117 3,582 16 105,441 5,378 3,764 17 110,819 5,652 3,956 18 116,471 5,940 4,158 19 122,411 6,243 4,370 20 128,654 6,561 4,593 TOTAL $85,215 $59,650 - 3ONLINE SAVINGSOnline Bank-$50,000N.A.4.60%22.01x (National Avg. - 0.21%)$0-SCENARIO
Year Rate
4.60%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,300 1,610 2 52,300 2,406 1,684 3 54,706 2,516 1,762 4 57,222 2,632 1,843 5 59,854 2,753 1,927 6 62,608 2,880 2,016 7 65,488 3,012 2,109 8 68,500 3,151 2,206 9 71,651 3,296 2,307 10 74,947 3,448 2,413 11 78,395 3,606 2,524 12 82,001 3,772 2,640 13 85,773 3,946 2,762 14 89,718 4,127 2,889 15 93,846 4,317 3,022 16 98,162 4,515 3,161 17 102,678 4,723 3,306 18 107,401 4,940 3,458 19 112,342 5,168 3,617 20 117,509 5,405 3,784 TOTAL $72,915 $51,040
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).