First Citizens Bank is a bank based in Luverne, Alabama, established in 1980, with $401 million in total assets across 5 branches. By Trust Grade it ranks 7th of 93 banks we track in Alabama. Its capital ratio of 12.4% is stronger than 76% of similarly sized banks, versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.83% return on assets. No consumer complaints against First Citizens Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Citizens Bank compares to Alabama peers
How we graded First Citizens Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.4% capital ratio)
- Strongly profitable (ROA 1.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Citizens Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 100 W 3rd St, Luverne, AL 36049
- 40 Lafayette St, Hayneville, AL 36040
- 17823 Montgomery Hwy, Highland Home, AL 36041
- 475 Greenville Byp, Greenville, AL 36037
- 115 Old Fort Rd W, Fort Deposit, AL 36032
Are deposits at First Citizens Bank insured?
Yes. First Citizens Bank is an FDIC-insured bank (FDIC certificate #23152). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Citizens Bank: frequently asked questions
Is First Citizens Bank a good bank?
First Citizens Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.4% capital ratio); Strongly profitable (ROA 1.83%).
Is First Citizens Bank FDIC-insured?
Yes. First Citizens Bank is a FDIC-insured bank (FDIC certificate #23152). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Citizens Bank?
First Citizens Bank holds $401 million in total assets, ranking 7th of 93 banks we track in Alabama. It operates 5 branches.
Does First Citizens Bank have CFPB complaints?
No CFPB complaints against First Citizens Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
