First Citizens Bank


100 West Third Street
Luverne, AL 36049
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Notable Rates APY Vs.Others
Savings 0.25% 0.70% →
1-Year CD 0.50% 0.75% →
2-Year CD 0.65% 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Citizens Bank is an FDIC insured institution located in Luverne, AL. It was founded in 1980 and has approximately $0.3 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 23152
Date Established 1980
Assets $ 299.79 million
Loans $ 158.44 million
Deposits $ 243.27 million
Capital $ 38.52 million

For a more detailed analysis of First Citizens Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 15, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Citizens Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.693% 2.625% 0.88 $2,225 $1,005 Learn More
NMLS ID: 2890
License#: MC-3098
2.699% 2.625% 1.00 $2,410 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.243% 3.125% 1.00 $3,750 $1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to First Citizens Bank
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First Citizens Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First Citizens Bank Locations

Financial Details

First Citizens Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Citizens Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Citizens Bank U.S. Bank Average
6% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, First Citizens Bank had $2,463,000 in non-current loans and $22,000 in owned real estate. To cover these potential losses it had $38,520,000 in equity and $2,898,000 in loans loss reserves. That gives it a Texas Ratio of 6%.

Return on Equity
First Citizens Bank U.S. Bank Average
8.75% 9.23%

First Citizens Bank has a Return on Equity of 8.75% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Citizens Bank U.S. Bank Average
12.85% 12.07%

First Citizens Bank has a Capitalization of 12.85% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Citizens Bank Balance Sheet Analysis

As of September 30, 2020, First Citizens Bank had assets of $299,785,000, loans of $158,442,000, and deposits of $243,268,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
Cash & Balances due from depository institutions $ 10.54 million
Interest-bearing balances $ 2.01 million
Total securities $ 94.08 million
Federal funds sold and reverse repurchase $ 21.15 million
Net loans and leases $ 158.44 million
Loan loss allowance $ 2.90 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles $ 0.47 million
All other assets $ 10.75 million
     Total Assets $ 261.27 million
Total deposits $ 243.27 million
      Interest-bearing deposits $ 167.89 million
      Deposits held in domestic offices $ 243.27 million
      % insured (estimated) 72.88%
Federal funds purchased and repurchase agreements $ 3.05 million
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 4.95 million
      Total Liabilities $ 261.27 million
      Shareholders’ Equity $ 38.52 million

Summary Income Statement

September 30, 2020
Total Interest Income $ 8.25 million
Total Interest Expense $ 1.16 million
Net interest income $ 7.09 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 1.32 million
Total non interest expense $ 5.28 million
Pre-tax Net Operating Income $ 2.93 million

Bank Loan Profile?

The top three loan types in First Citizens Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Alabama, First Citizens Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.71
Credit Card Loans 0.00
Consumer Auto Loans 1.96
Small Business Loans 15.96
Construction and Development Loans 7.66
Commercial Real Estate 25.47
Commercial and Industrial Loans 20.58
Farm Loans 4.43

Frequently Asked Questions About First Citizens Bank

Branches and Savings

Is First Citizens Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23152.

Why does First Citizens Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Citizens Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Citizens Bank a commercial bank?


Where are First Citizens Bank locations?

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Is First Citizens Bank open on Saturdays?

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Do First Citizens Bank checks expire?

Does First Citizens Bank require US citizenship to open account?

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Does First Citizens Bank offer mortgages?

Compare mortgage rates here.

Does First Citizens Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Citizens Bank offer personal loans?

Compare personal loan rates here.

Does First Citizens Bank offer student loans?

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Background on The Bank

Who owns First Citizens Bank?

How long has First Citizens Bank been around?

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Does First Citizens Bank have quick pay?

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