First Citizens BancShares
First Citizens BancShares Inc is a financial holding company that provides a comprehensive range of retail and commercial banking services through its primary subsidiary, First-Citizens Bank & Trust Company. The company delivers deposit products, lending, and wealth management solutions to individuals, small to middle-market businesses, and specialized innovation sectors like technology and life sciences. Additionally, it operates a nationwide digital bank and maintains a unique railcar leasing business that serves railroads and shippers across North America.
Financials
Based on Q1 2026 filing
Revenue
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General Bank
primaryProvides a full suite of retail and business banking services, including deposit products, residential mortgages, and wealth management. It specifically targets individuals, homeowner associations, and professionals within the innovation economy.
Deposit products, Residential mortgages, Business loans, Wealth management, Private banking, Trust services
Individuals, Homeowner associations, Property management companies, Venture capital professionals
Commercial Bank
majorFocuses on lending, leasing, and capital markets services for small and middle-market companies. It offers specialized financial products for private equity, venture capital, and innovation markets such as healthcare and technology.
Asset-based lending, Factoring, Receivables management, Capital markets services, Liquidity management, International products
Middle-market companies, Private equity firms, Venture capital firms, Technology companies, Life sciences companies
Rail
moderateOperates a fleet of railcars and locomotives that are leased to railroads and shippers. This segment provides equipment leasing and secured financing solutions specifically for the rail industry.
Railcar leasing, Locomotive leasing, Secured financing
Railroads, Shippers
Segment Financials
General Bank — Deposits
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View metricRail — Total loans and leases
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Competitive Position
A leading regional bank with a significant presence in the Southeast and Western U.S., bolstered by the strategic acquisition of Silicon Valley Bank assets.
Geographies
United States
Customer Segments
Retail, SME, Enterprise, Institutional
Upstream Dependencies
Depositors, Wholesale funding markets, Federal Reserve, Railcar manufacturers
Downstream Customers
Retail consumers, Small businesses, Middle-market corporations, Innovation-sector startups, Railroad operators
Competitors & Partners
Competitors
Partners
FDIC
Receiver and partner in the Silicon Valley Bridge Bank acquisition
Subsidiaries
First-Citizens Bank & Trust Company
Primary banking subsidiary
Silicon Valley Bank
Division of FCB focused on innovation markets
First Citizens Investor Services, Inc.
Registered broker-dealer
SVB Wealth LLC
Investment advisory subsidiary
First Citizens Asset Management, Inc.
Registered investment adviser
First Citizens BancShares FAQ
Common questions about First Citizens BancShares
First Citizens BancShares Inc is a financial holding company that provides a comprehensive range of retail and commercial banking services through its primary subsidiary, First-Citizens Bank & Trust Company. The company delivers deposit products, lending, and wealth management solutions to individuals, small to middle-market businesses, and specialized innovation sectors like technology and life sciences. Additionally, it operates a nationwide digital bank and maintains a unique railcar leasing business that serves railroads and shippers across North America.
First Citizens BancShares (FCNCA) has a market capitalization of $22.5B and trades on NASDAQ.
First Citizens BancShares generated $9.6B in trailing twelve-month revenue with net income of $2.3B, representing a net margin of 23.6%, with free cash flow of $2.2B. These figures are based on the Q1 2026 filing.
First Citizens BancShares's key competitors include Truist Bank, JPMorgan Chase, Wells Fargo, and others. These companies compete in similar markets and product categories.
First Citizens BancShares has approximately 16,021 employees.