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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Luverne, AL · FDIC certificate #23152
FIRST CITIZENS BANK is an FDIC-insured institution based in Luverne, AL (FDIC certificate #23152). In its Q3 2026 Call Report it reported total assets of $403M, total deposits of $345M and net loans of $228M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST CITIZENS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $403M in Q3 2026 and were lowest at $401M in Q1 2026.
Total deposits were highest at $345M in Q3 2026 and lowest at $344M in Q2 2026.
Over the whole period total assets rose 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $403M | $345M | $228M | 1.90% | 15.30% | 4.37% |
| Q2 2026 | $403M | $344M | $228M | 2.01% | 16.09% | 4.35% |
| Q1 2026 | $401M | $344M | $231M | 1.83% | 14.88% | 4.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.5M | $9.6M | -$71K | -0.7% |
| Federal funds sold | $6.2M | $6.3M | -$98K | -1.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $136.1M | $128.1M | +$8.0M | +6.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $233K | -$233K | -100.0% |
| Net loans and leases (after allowance) | $228.5M | $230.5M | -$2.1M | -0.9% |
| Trading assets | $0K | $5.2M | -$5.2M | -100.0% |
| Premises and fixed assets | $3.5M | $3.6M | -$60K | -1.7% |
| Other real estate owned | $3.2M | $3.2M | +$13K | +0.4% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $15.6M | $14.6M | +$1.0M | +7.1% |
| Total assets | $402.6M | $401.3M | +$1.3M | +0.3% |
| Liabilities | ||||
| Total deposits | $344.1M | $344.3M | -$182K | -0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $2.5M | $2.6M | -$125K | -4.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.6M | $4.4M | +$150K | +3.4% |
| Total liabilities | $351.2M | $351.4M | -$157K | -0.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $21K | $21K | $0K | 0.0% |
| Surplus | $7.7M | $7.7M | $0K | 0.0% |
| Retained earnings | $50.4M | $48.2M | +$2.2M | +4.5% |
| Accumulated other comprehensive income | -$6.7M | -$6.0M | -$746K | -12.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $51.4M | $49.9M | +$1.4M | +2.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.9M | $6.1M | -$1.2M | -19.0% |
| Adjusted nonperforming assets | $4.9M | $6.1M | -$1.2M | -19.0% |
| Tangible equity plus allowance | $54.4M | $52.9M | +$1.5M | +2.8% |
| Texas ratio (gross) | 9.05% | 11.49% | -2.44 pts | See points |
| Texas ratio (adjusted) | 9.05% | 11.49% | -2.44 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.72% | 15.29% | -2.58 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.30% | 13.92% | +0.38 pts | See points |
| Construction and land loans to total capital | 42.42% | 45.69% | -3.27 pts | See points |
| Commercial real estate to total capital | 100.61% | 106.45% | -5.84 pts | See points |
| Dividend payout, year to date | 15.16% | 33.21% | -18.05 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.49% | -14.34% | -1.15 pts | See points |
| Liquidity | ||||
| Core deposits | $294.7M | $300.3M | -$5.6M | -1.9% |
| Non-core funding | $52.0M | $46.7M | +$5.3M | +11.4% |
| Loans to core deposits | 78.56% | 77.76% | +0.80 pts | See points |
| Loans to deposits | 67.27% | 67.82% | -0.55 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 51.72% | 53.54% | -1.82 pts | See points |
| Loans pledged, share of loans | 15.67% | 15.46% | +0.21 pts | See points |
| Volatile liabilities | $52.0M | $46.7M | +$5.3M | +11.4% |
| Earnings | ||||
| Earnings before provision, year to date | $5.4M | $2.5M | +$2.8M | +113.0% |
| Earnings before provision, single quarter | $2.8M | $2.5M | +$328K | +13.0% |
| Provision for credit losses, year to date | $100K | $50K | +$50K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.42% | 7.31% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.15% | 3.47% | -0.32 pts | See points |
| Total interest income to average assets | 5.43% | 5.30% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.80% | 0.74% | +0.06 pts | See points |
| Cost of savings and money market deposits | 0.48% | 0.49% | -0.00 pts | See points |
| Cost of time deposits | 3.68% | 3.72% | -0.04 pts | See points |
| Total interest expense to average assets | 1.35% | 1.34% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $403M | $345M | $228M | 1.90% | 15.30% | 4.37% |
| 2026-06-30 | $403M | $344M | $228M | 2.01% | 16.09% | 4.35% |
| 2026-03-31 | $401M | $344M | $231M | 1.83% | 14.88% | 4.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $326.9M | 0.23% | 58 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.