First Citizens Bank (AL)

Overview / Commentary
100 West Third Street
Luverne, AL 36049

First Citizens Bank (AL) is headquartered in Luverne and is the 42nd largest bank in the state of Alabama. It is also the 2,387th largest bank in the nation. It was established in 1980 and as of December of 2021, it had grown to 63 employees at 5 locations. First Citizens Bank (AL)'s money market rates are 14% higher than the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #23152
Year Established1980
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD11.31%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$322.8MM$298.9MM
LoansQ4 2021vs Q4 2020$160.2MM$153.7MM
DepositsQ4 2021vs Q4 2020$274.8MM$245.8MM
Equity CapitalQ4 2021vs Q4 2020$40.3MM$38.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.2MM$2.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.1MM$1.6MM
Real Estate OwnedQ4 2021vs Q4 2020$262.00K$13.00K
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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

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

0.50%*$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

0.50%*$100k*-Now Account
OTHER TIERS: 0.10% Up to $2.5k | 0.15% $2.5k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

First Citizens Bank (AL) Locations
First Citizens Bank100 West Third StreetLuverne, 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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