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Examined: Sat, 25 Apr 2026 19:39:48 GMT

First-Citizens Bank & Trust Company

RSSD 491224 · NC · Total assets $229,332M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Liquidity Procedure L-01

Loans-to-deposits ratio elevated — wholesale-funding reliance

Citation
Interagency Policy Statement on Funding and Liquidity Risk Management (March 2010); FFIEC Liquidity and Funds Management Handbook
Evidence
Gross loans and leases $140,347M against total deposits $155,572M. A loans/deposits ratio above 100% indicates the institution funds loan growth with non-deposit (wholesale, brokered, or borrowed) funding sources, increasing liquidity and funding-cost sensitivity.
Recommended action
Provide an updated Contingency Funding Plan with specific playbook triggers (deposit-runoff thresholds, asset-sale order). Quantify uninsured-deposit runoff under stress scenarios. Document back-up borrowing capacity at FHLB, the discount window, and any standing facilities; pre-position collateral.

Key ratios computed

Tier 1 ratio
13.34%
↑ rank 12 of 33 · regional
Tier 1 leverage
9.78%
↑ rank 12 of 34 · regional
Total capital
14.63%
↑ rank 13 of 34 · regional
NPL ratio
0.92%
ACL coverage
129.74%
CRE concentration
40.45%
Construction conc.
24.70%
ROA (annualized)
1.28%
↑ rank 7 of 34 · regional
NIM
3.57%
↑ rank 10 of 34 · regional
Efficiency ratio
57.84%
↓ rank 19 of 34 · regional
Loans / Deposits
90.21%
Brokered / Deposits
3.03%
Uninsured / Deposits
37.06%
Liquid asset ratio
9.45%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$223,543M
23Q03$214,599M 23Q06$209,406M 23Q09$213,643M 23Q12$213,618M 24Q03$217,724M 24Q06$219,685M 24Q09$220,383M 24Q12$223,543M
Tier 1 leverage
9.78%
23Q0316.97% 23Q069.62% 23Q099.75% 23Q129.88% 24Q0310.06% 24Q0610.15% 24Q099.80% 24Q129.78%
Tier 1 RBC ratio
13.34%
23Q0313.32% 23Q0614.18% 23Q0913.85% 23Q1213.97% 24Q0313.91% 24Q0613.67% 24Q0913.26% 24Q1213.34%
ROA (YTD ann.)
1.28%
23Q0323.56% 23Q0611.51% 23Q097.85% 23Q125.99% 24Q031.39% 24Q061.35% 24Q091.29% 24Q121.28%
NIM (YTD ann.)
3.57%
23Q032.38% 23Q063.53% 23Q093.81% 23Q123.87% 24Q033.68% 24Q063.67% 24Q093.64% 24Q123.57%
Efficiency ratio
57.8%
23Q038.1% 23Q0618.1% 23Q0923.2% 23Q1228.0% 24Q0355.0% 24Q0655.1% 24Q0956.5% 24Q1257.8%

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