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First Citizens Bank And Trust Company

IDRSSD: 491224
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ -8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #491224 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q2 2024:
↓ -8 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -29
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 2.8%, loans/deposits 90.3%.

Cash / Assets
—
Loans / Deposits
90.26%
Brokered %
2.77%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.08%
No watch items at this period.

Capitalization

StableQoQ -29
67
Sub-score

Capital position is stable: Tier 1 RBC 13.28%, CET1 0.00%, leverage 9.78%.

Tier 1 RBC
13.28%
CET1
0.00%
Leverage
9.78%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
92
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 5.9%, NCO YTD 0.41%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.41%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
66
Sub-score

Reserves are stable: ALLL 1.21% of loans, coverage 121.7%, true coverage 85.9%.

ALLL / Loans
1.21%
Coverage
121.7%
True Loss Coverage
85.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:01:00 UTC