First Citizens Bank
Total assets
$402.6M
▲ +6.4% YoY
Deposits
$344.1M
▲ +5.3% YoY
Loans
$228.5M
▲ +8.8% YoY
Offices
5
FIRST CITIZENS-CRENSHAW BANCSHARES
ROA (annualized)
2.01%
peers 1.24%
ROE (annualized)
16.09%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 16.1% | 11.9% | +4.2 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
Profile
- Established
- 1980
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST CITIZENS-CRENSHAW BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 100 W 3rd St, Luverne, AL, 36049
- County
- Crenshaw
- Offices
- 5
- FDIC cert #
- 23152
- RSSD ID
- 541231
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $402.6M | $344.1M | $228.5M | $51.4M | $4.0M | 2.01% | 4.35% | 1.22% |
| Q1 2026 | $401.3M | $344.3M | $230.8M | $49.9M | $1.8M | 1.83% | 4.27% | 1.52% |
| Q4 2025 | $400.5M | $342.3M | $221.3M | $48.8M | $6.0M | 1.56% | 4.20% | 1.56% |
| Q3 2025 | $392.4M | $335.8M | $218.4M | $47.4M | $4.5M | 1.58% | 4.18% | 1.67% |
| Q2 2025 | $378.5M | $326.9M | $210.0M | $43.5M | $3.1M | 1.66% | 4.15% | 1.61% |
| Q1 2025 | $373.6M | $324.1M | $210.4M | $42.2M | $1.5M | 1.55% | 4.01% | 1.92% |
| Q4 2024 | $378.3M | $324.7M | $209.6M | $39.9M | $5.0M | 1.36% | 3.87% | 1.75% |
| Q3 2024 | $370.4M | $313.1M | $211.8M | $42.1M | $3.6M | 1.33% | 3.86% | 1.81% |
Loan mix (Q2 2026): real estate $179.1M · commercial $32.1M · consumer $11.9M · securities $136.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 62.9% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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