First Citizens Bank
Luverne, AL
IDRSSD: 541231
Total Assets
$400.45M
Latest filing
Total Deposits
$342.27M
Latest filing
Net Interest Margin
4.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062103217LUVERNE, AL
Key People
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Locations
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Main Office
First Citizens Bank
100 W 3rd St
Luverne, AL 36049
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/08/1980FDIC Certificate 16220
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Citizens Bank (Main) | 100 W 3rd St | Luverne, AL |
| HAYNEVILLE FACILITY | 40 Lafayette St | Hayneville, AL |
| HIGHLAND HOME BRANCH | 17823 Montgomery Hwy | Highland Home, AL |
| GREENVILLE BRANCH | 475 Greenville Byp | Greenville, AL |
| FORT DEPOSIT BRANCH | 115 Old Fort Rd W | Fort Deposit, AL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/08/1980 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36049 |
| State and County Number | 01041 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/08/1980 |
| Primary Insurance Agency | DIF |
| Website | www.fcbl.com |
| Data Updated | 01/30/2026 |
| CERT | 23152 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $400.45M |
| Total Deposits | $342.27M |
| Total Liabilities | $351.64M |
| Total Equity Capital | $48.81M |
| Net Income | $1.51M |
| Net Loans and Leases | $221.27M |
| Assets Per Employee ($Millions) | $6.67M |
| Bank Premises and Fixed Assets | $3.61M |
| Cash and Balances due from Depository Institutions | $14.22M |
| Deposits Held in Domestic Offices | $342.27M |
Key Performance Ratios
| Return on Assets (ROA) | 1.53% |
| Return on Equity (ROE) | 12.59% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 57.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.188% |
| Earning Assets to total Assets | 92.96% |
Income and Expense
| Total Interest Income | $5.30M |
| Total Noninterest Income | $690.00k |
| Total Interest Expense | $1.39M |
| Total Noninterest Expense | $2.66M |
| Net Interest Income | $3.91M |
| Pre-tax Net Operating Income | $1.89M |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $3.16M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.46M |
| Federal Funds Purchased and Repurchased Agreement | $4.35M |
| All Other Liabilities | $5.02M |
| Total Liabilities and Capital | $400.45M |
Securities
| Securities | $131.24M |
| Available-for-sale debt securities | $130.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.01M |
| Subordinated Debt | $0 |
| Trading Account Assets | $5.28M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Citizens Bank?
$400.45M as of the latest filing.
How much are First Citizens Bank's total deposits?
$342.27M in total deposits.
Where is First Citizens Bank located?
Luverne, AL.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
5.
When was it established?
07/08/1980.
What is the Return on Assets (ROA)?
1.53%.
How much are total loans and leases?
$221.27M (latest filing).
What is the total interest income (latest filing)?
$5.30M.