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First Citizens Bank
Luverne, AL · FDIC Certificate #23152 · Chartered 07/0
Total assets
$402.58M
Total deposits
$344.12M
Total equity
$51.38M
Net loans
$228.46M
Branches (offices)
5
Net income (YTD)
$4.03M
Rank: #2,050 of 4,213 U.S. banks by assets · #37 of 93 in Alabama. Assets changed 6.4% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 16.09% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 12.76% |
| Tier 1 leverage ratio | 14.30% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 66.4% |
| Real estate loans (share of loans) | 78.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $179.09M | 78.4% | |
| Commercial & industrial | $32.11M | 14.1% | |
| Consumer / individual | $11.86M | 5.2% | |
| Construction & development | $25.94M | 11.4% | |
| Agricultural | $6.05M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $324.68M | $286.75M | $2.17M | $31.21M |
| Jun 2023 | $334.80M | $289.73M | $2.40M | $33.54M |
| Jun 2024 | $362.07M | $310.22M | $2.45M | $38.07M |
| Jun 2025 | $378.52M | $326.93M | $3.12M | $43.52M |
| Jun 2026 | $402.58M | $344.12M | $4.03M | $51.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $344.12M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $344.12M.
Similar-sized banks
Homebank Texas ($403.02M) · Hardin County Savings Bank ($402.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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