Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.

First Citizens BancShares

FCNCA

US · USRegulated by FDICLatest: 2025-Q4

21LOW

CET1 Ratio

12.55%+0.20pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$181.6B

+2.51% QoQ growth

Total Loan Book

$147.2B

+6.1% YoY growth

Leverage Ratio

9.79%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate44.6%

Consumer1.7%

SME / C&I24.2%

Other29.5%

Metric History

8 quarters · FDIC Call Report data

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latest	12.55%	9.79%	$181.6B	$147.2B	+6.1%	+2.51%	44.6%	1.7%	24.2%	21
2025-Q3	12.35%	9.51%	$177.2B	$143.2B	+4.4%	+2.13%	45.4%	1.7%	25.3%	—
2025-Q2	12.85%	9.81%	$173.5B	$139.8B	+1.4%	+5.29%	46.5%	1.8%	25.6%	—
2025-Q1	13.16%	9.63%	$164.8B	$139.9B	—	+0.56%	46.3%	1.8%	26.0%	—
2024-Q4	13.34%	9.78%	$163.8B	$138.7B	—	+0.54%	46.4%	1.8%	26.0%	—
2024-Q3	13.26%	9.80%	$163.0B	$137.1B	—	+0.19%	46.3%	2.1%	27.1%	—
2024-Q2	13.67%	10.15%	$162.7B	$137.8B	—	—	45.1%	2.1%	27.2%	—
2024-Q1	13.91%	10.06%	$156.2B	$133.8B	—	—	45.6%	2.1%	28.1%	—

Score Breakdown

21/100 —LOW

Live score · base 25 pts -4 macro adj

Capital Pressure0/40

CET1 12.55% — above 12%, no pressure

-0.55pp above 8% regulatory floor

CET1 stable or improving (12.35% → 12.55%)

Loan Book Growth12/30

Loan book grew 6.1% YoY

RWA grew 2.5% QoQ

Highest concentration: CRE at 44.6% — above 30% threshold

Historical SRT0/20

No prior SRT deals on record

Macro Context3/10

Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts

Mid-Size Bank

$50B–$500B total assets — ideal SRT candidate size band

+10

Macro environment · UNFAVORABLE-4

Sentiment -10/20 · global -4 pts

Overall SRT likelihood21/100

AI Investment Memo

Llama will analyze First Citizens BancShares across 4 data dimensions and write a structured memo

Score: 21/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks