First Citizens Bank: how it compares with its peers
Against 40 AL banks with half to twice its assets, First Citizens Bank's strongest measure in Q2 2026 is efficiency ratio (44.74% vs. a 64.11% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $6.5M).
| Measure | First Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.11% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.04% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.74% | 64.11% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.5M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.39% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 44.74% is better than the 64.11% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Southern Independent Bank Opp, AL · $395M
- The Exchange Bank of Alabama Altoona, AL · $393M
- State Bank & Trust Winfield, AL · $413M
- Pinnacle Bank Jasper, AL · $385M
- First National Bank Hamilton, AL · $373M
- Premier Bank of the South Cullman, AL · $371M
Questions about First Citizens Bank
How big is First Citizens Bank?
First Citizens Bank, established in 1980, is headquartered in Luverne, AL. It reported $403M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Citizens Bank's return on assets?
2.01% annualized in Q2 2026, against a 1.11% median for 40 AL banks with half to twice its assets, ahead of 85% of them.
What is First Citizens Bank's efficiency ratio?
44.74% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 64.11%, and lower is better.
Is First Citizens Bank growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.