First Citizens Bank
Chartered Bank Active FDIC Insured
Health Score
10.0 / 10
100 W 3rd St, Luverne, AL 36049
Financial Overview
Total Assets $401.3M
Total Deposits $344.3M
Profitability (ROA) 1.83%
Shareholder Return (ROE) 14.88%
Capital Cushion (Eq/Assets) 12.44%
Established 07/08/1980
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$68.9M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.fcbl.com
FDIC Certificate #: 23152
Specialization: Commercial Lending Specialization