| Metric | First Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.5% | -7.0 pts |
| Deposit growth (YoY) | -3.0% | +5.1% | -8.1 pts |
| Loan growth (YoY) | -3.0% | +5.9% | -9.0 pts |
| ROA | 2.09% | 1.26% | +0.8 pts |
| ROE | 18.6% | 12.2% | +6.4 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.80B | $1.58B | $1.31B | $205.2M | $19.0M | 2.09% | 3.54% | 0.18% |
| Q1 2026 | $1.82B | $1.60B | $1.33B | $205.1M | $8.8M | 1.92% | 3.39% | 0.55% |
| Q4 2025 | $1.83B | $1.61B | $1.32B | $204.2M | $30.9M | 1.66% | 3.16% | 0.61% |
| Q3 2025 | $1.91B | $1.69B | $1.33B | $195.7M | $20.5M | 1.47% | 3.10% | 0.52% |
| Q2 2025 | $1.83B | $1.63B | $1.35B | $184.4M | $14.3M | 1.55% | 3.07% | 0.57% |
| Q1 2025 | $1.88B | $1.68B | $1.35B | $185.7M | $7.4M | 1.58% | 2.94% | 0.56% |
| Q4 2024 | $1.85B | $1.65B | $1.33B | $177.8M | $23.9M | 1.33% | 2.77% | 0.58% |
| Q3 2024 | $1.86B | $1.66B | $1.33B | $184.1M | $17.8M | 1.33% | 2.67% | 0.38% |
Loan mix (Q2 2026): real estate $953.9M · commercial $172.5M · consumer $15.4M · securities $344.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 59.0% | 15th |
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% |
| 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% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.