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BDI
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First-Citizens Bank & Trust Company

Raleigh, North CarolinaFDIC Cert #11063

STATEEstablished 1898518 branches

Holding company: FIRST CITIZENS BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$16.8B
Investor CRE$12.1B
Multifamily$3.06B
Construction$7.25B
1–4 family$25.3B
C&I$36B
Agriculture$1.43B
Other$47.9B

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$150B
+5.8%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSGR
Net loans
$148B
+6.0%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
Loans YoY
+5.97%
+29.9%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
L/D
86.5%
−1.0%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET + DEP
Loans/assets
62.9%
+2.9%y/y
Percentile by value71st percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET + ASSET
RE loans %
45.67%
−4.2%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
90%
−5.1%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
29%
+8.8%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,083points
−10.9%y/y
Peer standing61st percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
11.21%
+0.1%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROW + LNLSGR
Investor CRE %
8.06%
−10.0%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROT + LNLSGR
C&I %
24.00%
−6.5%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNCI + LNLSGR