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First Citizens Bank (AL)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fcbl.com
334-335-3346
100 West Third Street
Luverne, AL 36049

First Citizens Bank (AL) is headquartered in LUVERNE and is the 41st largest bank in the state of Alabama. It is also the 2,177th largest bank in the nation. It was established in 1980 and as of March of 2025, it had grown to 60 employees at 5 locations. First Citizens Bank (AL) has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #23152
Year Established1980
Employees60
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.55%
Return on Equity - YTD14.23%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$373.6MM$358MM
LoansQ1 2025vs Q1 2024$210.4MM$209.2MM
DepositsQ1 2025vs Q1 2024$324.1MM$305.4MM
Equity CapitalQ1 2025vs Q1 2024$42.2MM$36.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.5MM$3.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7.2MM$4.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for First Citizens Bank (AL) are currently being reviewed.

Locations


First Citizens Bank (AL) Locations
First Citizens Bank100 W 3rd StLuverne, AL 36049
Old Ford Road Branch115 West Old Fort RdFort Deposit, AL 36032
Highland Home Branch17823 Montgomery HwyHighland Home, AL 36041
Hayneville Facility40 Lafayette Street EastHayneville, AL 36040
Greenville Branch475 Greenville BypassGreenville, AL 36037

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