U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

First-Citizens Bank & Trust Company

BankRaleigh, NCActive

FDIC certificate 11063

Data observedAugust 3, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
11063
company ID
Not published — no verified match
More identifiers
Federal Reserve
491224
OCC charter number
Not published — no verified match
Not published — no verified match
Official website
https://11063

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Raleigh, NC
HMDA activity
Published activity year 2025
Listed branch locations
519
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam August 1, 2023
Institution history
76 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Raleigh, NC
activity
Published activity year 2025
Listed branch locations
519
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam August 1, 2023
Institution history
76 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

23,032reported records

14,381reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

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activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

23,032

2025

Loan originations

14,381

2025

Denials

4,354

2025

Withdrawals

1,497

2025

Denial rate among decisioned applications

22.5%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202523,03214,3816454,3541,49722.5%
202423,25615,1627464,8741,27823.5%
202323,37815,3048614,8061,35322.9%
202227,87419,0969945,1931,25620.5%
202130,69321,2051,0005,52272019.9%
202031,17120,1761,2156,2611,06822.6%
201926,03518,0238675,47188822.5%
201824,30516,6367725,02678822.4%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional22,362
FHA550
VA98
RHS / FSA22
Home purchase8,294
Home improvement5,047
Refinancing4,852
Cash-out refinancing862

State reporting

46 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

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CFPB Mortgage Complaint Activity

No published complaint result found

No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.

This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

View the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
First-Citizens Bank & Trust Company
Display name
First-Citizens Bank & Trust Company
Institution status
Active
FDIC insured
Yes
FDIC insured since
January 1, 1934
Established date
January 1, 1898
Charter class
State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Deposit Insurance Corporation
Headquarters
Raleigh, NC, 7078, United States
Website
https://11063
FDIC certificate number
11063
Federal Reserve
491224
Domestic location count
518
Source observed
August 3, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FDIC
Institution type
Non-member Bank
Primary activity
NAICS 52211
FDIC certificate
11063
Federal Reserve
491224
L9VVX1KT5TFTKS0MLF66
Headquarters
239 Fayetteville Street, Raleigh, NC, 27601, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
August 1, 2023
Regulator
FDIC
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
August 1, 2023SatisfactoryFDICLarge Bank Exam
November 1, 2019SatisfactoryFDICLarge Bank Exam
February 1, 2017SatisfactoryFDICLarge Bank Exam
June 1, 2014SatisfactoryFDICLarge Bank Exam
March 1, 2011SatisfactoryFDICLarge Bank Exam
December 1, 2006SatisfactoryFDICLarge Bank Exam
June 4, 2003SatisfactoryFDICLarge Bank Exam
January 1, 2000SatisfactoryFDICLarge Bank Exam
June 1, 1997OutstandingFDICSmall Bank
December 1, 1994OutstandingFDICNot Reported
July 1, 1992OutstandingFDICNot Reported

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

26

Showing 1 through 25 of 26 relationship records

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered nonmember bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

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Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

519

Showing 1 through 50 of 519 listed locations

Scroll sideways to see every branch column.

Showing 1 through 50 of 519 FFIEC NIC branch locations
BranchAddressCityStatePostal code
CHANDLER BRANCH2480 South Gilbert RoadChandlerAZ85286
ORO VALLEY BRANCH8580 North Oracle Road, Suite 100Oro ValleyAZ85704
RAINTREE BRANCH14650 N Northsight BoulevardScottsdaleAZ85260
SUN CITY WEST BRANCH19432 North RH Johnson BoulevardSun City WestAZ85375
AGOURA BRANCH5701 North Kanan RoadAgoura HillsCA91301
ANAHEIM BRANCH704 South State College BoulevardAnaheimCA92806
BEVERLY HILLS BRANCH350 South Beverly Drive Suite 150Beverly HillsCA90212
CARLSBAD BRANCH6088 Innovation WayCarlsbadCA92009
CHINO HILLS BRANCH3410 Grand Avenue, Suite AChino HillsCA91709
CHULA VISTA399 H StreetChula VistaCA91910
CORONA BRANCH1120 EL Camino AvenueCoronaCA92879
CULVER CITY SOUTH BRANCH5573 Sepulveda BoulevardCulver CityCA90230
DUARTE BRANCH1475 Huntington DriveDuarteCA91010
EL CAJON BRANCH175 West Main StreetEl CajonCA92020
EL SEGUNDO BRANCH898 N Pacific Coast Hwy #100El SegundoCA90245
ENCINO MAIN BRANCH16055 Ventura BoulevardEncinoCA91436
ESCONDIDO BRANCH360 West Grand AvenueEscondidoCA92025
FOLSOM-MAIN BRANCH1320 East Bidwell StreetFolsomCA95630
GLENDALE MAIN BRANCH655 North Central AvenueGlendaleCA91203
GLENDORA BRANCH600 West Route 66GlendoraCA91740
HACIENDA HEIGHTS BRANCH2233 South Hacienda BoulevardHacienda HeightsCA91745
IRVINE BRANCH2855 Michelle Dr, Suite 100IrvineCA92606
LA JOLLA BRANCH835 Pearl StreetLa JollaCA92037
LA VERNE BRANCH2111 Bonita AvenueLa VerneCA91750
LAGUNA HILLS BRANCH24191 Paseo Del Valencia, Suite ALaguna WoodsCA92637
LOMITA BRANCH2300 Pacific Coast HighwayLomitaCA90717
LONG BEACH BRANCH3500 East 7th StreetLong BeachCA90804
JORDAN DOWNS - LA BRANCH9950 South Laurel, Suite DLos AngelesCA90002
LA BREA BRANCH400 North LA Brea AvenueLos AngelesCA90036
WEST LOS ANGELES BRANCH3000 S Sepulveda BlvdLos AngelesCA90034
WESTCHESTER BRANCH8750 South Sepulveda Boulevard, Unit PLos AngelesCA90045
MENLO PARK BRANCH2770 Sand Hill RoadMenlo ParkCA94025
MISSION VIEJO MAIN BRANCH28641 Marguerite PkwyMission ViejoCA92692
MURRIETA BRANCH41520 Ivy StreetMurrietaCA92562
NAPA BRANCH1300 First St, Suite 262NapaCA94559
NEWPORT BEACH BRANCH1201 Dove Street, Suite 150Newport BeachCA92660
NORTHRIDGE LA BRANCH8726 Tampa AvenueNorthridgeCA91324
ONTARIO BRANCH4150 Concours St.OntarioCA91764
PALM DESERT BRANCH44-495 Town Center Way, Suite APalm DesertCA92260
PALO ALTO BRANCH420 Cowper StreetPalo AltoCA94301
PASADENA BRANCH95 South Lake AvenuePasadenaCA91101
RANCHO SANTA MARGARITA BRANCH29818 Santa Margarita Parkway, Suite ARancho Santa MargaritaCA92688
REDONDO BEACH BRANCH2233 Artesia BoulevardRedondo BeachCA90278
ROSEVILLE BRANCH3711 Douglas BoulevardRosevilleCA95661
SACRAMENTO MAIN BRANCH440 Drake CircleSacramentoCA95864
RANCHO BERNARDO BRANCH16536 Bernardo Center DriveSan DiegoCA92128
BATTERY STREET BRANCH255 Battery StreetSan FranciscoCA94111
SAN JOSE BRANCH60 South Market Street, #100San JoseCA95113
SAN MATEO BRANCH160 Bovet Road, Suite 100San MateoCA94402
SANTA CLARA BRANCH2625 Augustine Dr, Suite 301Santa ClaraCA95054

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

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Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

76

Showing 1 through 25 of 76 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
March 27, 2023Charter Discontinued (Merger or Purchase & Assumption)SILICON VALLEY BRIDGE BANK, NATIONAL ASSOCIATION
January 4, 2022Charter Discontinued (Merger or Purchase & Assumption)—
January 4, 2022Charter Discontinued (Merger or Purchase & Assumption)CIT GROUP INC.
February 1, 2020Charter Discontinued (Merger or Purchase & Assumption)COMMUNITY FINANCIAL HOLDING COMPANY, INC.
February 1, 2020Charter Discontinued (Merger or Purchase & Assumption)—
January 1, 2020Charter Discontinued (Merger or Purchase & Assumption)ENTEGRA FINANCIAL CORP.
January 1, 2020Charter Discontinued (Merger or Purchase & Assumption)—
May 1, 2019Charter Discontinued (Merger or Purchase & Assumption)FIRST SOUTH BANCORP, INC.
May 1, 2019Charter Discontinued (Merger or Purchase & Assumption)—
April 2, 2019Charter Discontinued (Merger or Purchase & Assumption)BISCAYNE BANCSHARES, INC.
April 2, 2019Charter Discontinued (Merger or Purchase & Assumption)—
November 1, 2018Charter Discontinued (Merger or Purchase & Assumption)—
November 1, 2018Charter Discontinued (Merger or Purchase & Assumption)PALMETTO HERITAGE BANCSHARES, INC.
October 2, 2018Charter Discontinued (Merger or Purchase & Assumption)CAPITAL COMMERCE BANCORP, INC.
October 2, 2018Charter Discontinued (Merger or Purchase & Assumption)—
May 1, 2018Charter Discontinued (Merger or Purchase & Assumption)HOMEBANCORP, INC.
May 1, 2018Charter Discontinued (Merger or Purchase & Assumption)HOMEBANC
May 6, 2017Failure - Government Assistance ProvidedGUARANTY BANK
January 14, 2017Failure - Government Assistance ProvidedHARVEST COMMUNITY BANK
September 1, 2016Charter Discontinued (Merger or Purchase & Assumption)CORDIA BANCORP, INC.
September 1, 2016Charter Discontinued (Merger or Purchase & Assumption)—
May 7, 2016Failure - Government Assistance ProvidedFIRST CORNERSTONE BANK
March 12, 2016Failure - Government Assistance ProvidedNORTH MILWAUKEE STATE BANK
February 14, 2015Failure - Government Assistance ProvidedCAPITOL CITY BANK & TRUST COMPANY
January 1, 2015Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

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Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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