Community Reinvestment Act

Public File

The Community Reinvestment Act (CRA) (Regulation BB, 12 CFR Chapter III, Part 345) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods. The CRA rules and regulations require First Citizens Bank to make available for public inspection the contents of its CRA Public File.

First Citizens Bank can provide a hard copy of the CRA Public File. Please note: We may charge a fee to cover copying and mailing expenses.

Requests should be addressed to:

First Citizens Bank
Community Affairs – FCB Mail Code: FCC-14
4300 Six Forks Road
Raleigh, NC 27609-5718

You can also email us at CommunityAffairs@FirstCitizens.com.

CRA Performance Evaluation

• A copy of the public evaluation of the bank's most recent Community Reinvestment Act Performance Evaluation (PDF)

Branch Locations and Hours of Operation

• Branch Locations (PDF)
• Branch Lobby and Drive-Thru Hours (PDF)
• Remote ATMs (PDF)

List of Opened and Closed Branches

• Branch Openings and Closings (PDF)

The list includes branches that were opened and closed by the bank during the current year and each of the prior 2 calendar years. First Citizens Bank will update the list of branch openings and closings on a quarterly basis.

Assessment Areas

The Assessment Areas delineated by First Citizens Bank represent the communities we serve. A map, as well as a list of the census tracts that make up an assessment area, can be viewed by visiting the Assessment Area Maps and Geographies page.

Products, Services and Fees

• Personal Products and Services, including Banking and Borrowing - Loans
• Business Products and Services - Deposits, including Banking and Checking Accounts and Lending - Credit & Financing
• Personal Products and Services (PDF) offered by Silicon Valley Bank, a Division of First Citizens Bank
• Business Products and Services (PDF), including Business Lending, offered by Silicon Valley Bank, a Division of First Citizens Bank

Questions regarding transaction fees or cost of services should be directed to your nearest First Citizens Bank location or Silicon Valley Bank, a Division of First Citizens Bank, location.

CRA Disclosure Statements

• CRA Disclosure Reports (PDF)

First Citizens Bank CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, visit the FFIEC's CRA page, select the year you wish to review, and enter either the Institution Name or Respondent ID.

Institution: First Citizens Bank

Respondent ID: 0000011063

Home Mortgage Disclosure Act Notice

• Home Mortgage Disclosure Act Disclosure Reports (PDF)

Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions is also available online. For more information, visit the Consumer Financial Protection Bureau website or the Federal Financial Institutions Examination Council website.

Public Comments

CRA Public File Comments (PDF) include those received for the current year and the prior 2 calendar years as of September 30, 2024. First Citizens Bank will update the Public Comments received on a quarterly basis.