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 First Citizens Bank
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First Citizens Bank
| RSSD ID 541231 | CERTIFICATE 23152 | ABA NUMBER 62103217 |
| 100 W 3rd St |
Quarter Ended : |
2026-06-30 |
| Luverne, Alabama, 36049 |
Updated : |
2026-07-22 |
| www.fcbl.com |
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| Institution Profile |
| Year Opened : |
1980 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
59 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 402,581 |
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Total Interest Income | 10,844 |
| Total Liabilities | 351,204 |
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Total NonInterest Income | 1,581 |
| Total Bank Equity Capital | 51,377 |
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Total Interest Expense | 2,721 |
| Total Deposits | 344,122 |
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Total NonInterest Expense | 4,342 |
| Net Loans & Leases | 228,457 |
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Net Income | 4,025 |
| Loan Loss Allowance | 3,033 |
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Net Charge Offs | (1) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 232,972 |
| Total assets for the leverage ratio | 406,431 |
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Loans secured by real estate: | 164,500 |
| Tier 1 Leverage Ratio | 14.3 |
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Commercial and industrial loans | 31,302 |
| Off Balance Sheet Exposures (%) | 9.95 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 12,088 |
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:· First Citizens Bank
