Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST-CITIZENS BANK&TRUST CO

FDIC #11063 · NC · period 20260630

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Total assets32,048,417-5.30% YoY

Total deposits27,442,344-5.46% YoY

Net loans and leases20,278,745-6.71% YoY

Return on assets0.68%-18.16% YoY

Return on equity7.44%-19.65% YoY

Net interest margin3.19%-1.86% YoY

Peer position

Return on assets26thopportunity · n=35

Return on equity36thin line · n=33

Net interest margin31stin line · n=35

Equity to assets36thin line · n=33

Noncurrent loans30thin line · n=33

Liquid assets70thin line · n=33

Brokered deposits52ndin line · n=33

Loans to deposits39thin line · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	32,048,417	27,442,344	20,278,745	0.68	7.44	3.19
2016-06-30	32,054,284	27,283,694	20,620,309	0.79	8.58	3.19
2016-09-30	32,795,513	27,957,146	21,182,222	0.74	8.06	3.17
2016-12-31	32,814,750	28,183,659	21,594,771	0.70	7.69	3.19
2017-03-31	33,842,683	29,027,994	21,736,909	0.83	9.26	3.25
2017-06-30	34,599,352	29,483,243	22,798,339	1.21	13.47	3.29
2017-09-30	34,413,573	29,352,832	22,989,493	1.07	11.76	3.33
2017-12-31	34,346,930	29,333,220	23,427,460	0.94	10.30	3.36
2018-03-31	34,262,885	30,031,316	23,436,889	1.18	12.57	3.56
2018-06-30	34,911,613	30,438,108	24,373,695	1.13	11.95	3.61
2018-09-30	34,837,981	30,192,727	24,715,122	1.20	12.61	3.67
2018-12-31	35,267,496	30,705,952	25,346,591	1.20	12.63	3.74
2019-03-31	35,828,763	31,259,820	25,289,650	1.18	12.52	3.88
2019-06-30	37,566,116	32,733,532	26,606,414	1.24	13.09	3.85
2019-09-30	37,665,333	32,806,962	27,104,380	1.29	13.53	3.87
2019-12-31	39,787,666	34,456,402	28,791,204	1.22	12.81	3.80
2020-03-31	41,376,966	35,373,921	29,210,850	0.99	10.09	3.62
2020-06-30	47,828,623	41,628,324	32,406,460	0.98	10.22	3.40
2020-09-30	48,628,484	42,319,799	32,824,383	1.08	11.40	3.34
2020-12-31	49,883,318	43,503,116	32,741,299	1.07	11.41	3.29
2021-03-31	53,820,458	47,395,391	33,147,536	1.08	11.99	2.81
2021-06-30	55,098,938	48,549,836	32,676,732	1.09	12.27	2.80
2021-09-30	56,820,271	50,200,192	32,500,349	1.03	11.69	2.76
2021-12-31	58,215,736	51,591,161	32,335,118	0.99	11.29	2.74
2022-03-31	108,471,178	91,726,454	64,798,759	1.31	13.83	3.53
2022-06-30	107,542,088	89,433,784	66,961,394	1.17	12.06	3.39
2022-09-30	109,132,764	87,633,965	68,928,539	1.20	12.45	3.45
2022-12-31	109,180,139	89,537,312	69,974,232	1.22	12.82	3.46
2023-03-31	214,598,538	140,261,168	136,835,550	23.56	259.33	2.38
2023-06-30	209,405,900	141,344,782	131,549,971	11.51	124.22	3.53
2023-09-30	213,642,853	146,423,831	131,630,385	7.85	83.96	3.81
2023-12-31	213,617,760	146,075,591	131,672,707	5.99	63.17	3.87
2024-03-31	217,724,000	149,906,000	133,762,000	1.39	13.90	3.68
2024-06-30	219,685,000	151,388,000	137,773,000	1.35	13.51	3.67
2024-09-30	220,383,000	151,932,000	137,126,000	1.29	12.85	3.64
2024-12-31	223,543,000	155,572,000	138,672,000	1.28	12.80	3.57
2025-03-31	228,632,000	160,110,000	139,905,000	0.88	9.09	3.24
2025-06-30	229,412,000	160,302,000	139,765,000	0.96	9.86	3.27
2025-09-30	233,167,000	163,582,000	143,216,000	0.98	10.03	3.29
2025-12-31	229,332,000	162,082,000	147,163,000	1.00	10.20	3.30
2026-03-31	235,521,000	171,449,000	148,253,000	0.96	9.55	3.12
2026-06-30	236,317,000	173,952,000	149,640,000	1.03	10.29	3.14

Structure and branch footprint

518 current branch locations across 23 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2023-03-27	1	5836688	491224
2022-01-04	1	1036967	491224
2022-01-04	1	3918898	491224
2020-02-01	1	2853358	491224
2020-02-01	1	3101010	491224
2020-01-01	1	239275	491224
2020-01-01	1	2427665	491224
2019-05-01	1	2817314	491224
2019-05-01	1	2491291	491224
2019-04-02	1	3899456	491224
2019-04-02	1	3363975	491224
2018-11-01	1	3299140	491224
2018-11-01	1	3299168	491224
2018-10-02	1	2242970	491224
2018-10-02	1	196743	491224
2018-05-01	1	3577419	491224
2018-05-01	1	3577389	491224
2017-05-06	50	640170	491224
2017-01-14	50	2873860	491224
2016-09-01	1	3198421	491224

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.