First Citizens Bank (AL)

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 42^nd largest bank in the state of Alabama. It is also the 2,360^th largest bank in the nation. It was established in 1980 and as of June of 2022, it had grown to 61 employees at 5 locations. First Citizens Bank (AL)'s money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	23152
Year Established	1980
Employees	61
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.35%
Return on Equity - YTD	12.15%
Annual Interest Income	$5.7MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$324.7MM$323.7MM
Loans	Q2 2022vs Q2 2021	$161.6MM$162.7MM
Deposits	Q2 2022vs Q2 2021	$286.8MM$272.0MM
Equity Capital	Q2 2022vs Q2 2021	$31.2MM$39.4MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$3.2MM$3.1MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.6MM$2.3MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Money Market
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Citizens Bank (AL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$50k^*	-	Regular Savings Account
OTHER TIERS: 0.25% → Up to $50k
0.25%	-	-	Christmas Club Account

First Citizens Bank (AL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$250k^*	-	Money Market
OTHER TIERS: 0.15% → Up to $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.40% → $100k - $250k

First Citizens Bank (AL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$100k^*	-	Now Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.15% → $2.5k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k

Locations

First Citizens Bank (AL) Locations
First Citizens Bank	100 W 3rd St	Luverne, AL 36049
Old Ford Road Branch	115 West Old Fort Rd	Fort Deposit, AL 36032
Highland Home Branch	17823 Montgomery Hwy	Highland Home, AL 36041
Hayneville Facility	40 Lafayette Street East	Hayneville, AL 36040
Greenville Branch	475 Greenville Bypass	Greenville, AL 36037

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