BANK
PEER POSITION DIRECTIONAL ONLY
Complaint rate · per 1,000 est. customersscale 0–10
Median of 36 scored 0.52 · Lowest in dataset 0.07
This institution is not confidence-scored in the current snapshot — position against peers shown is directional only.
Methodological confidence: HIGH · n=1,379 complaints over 14 years
Complaint rate
0.09
per 1,000 estimated customers
Resolved with relief
17%
received monetary or non-monetary relief
Daily volume
0.3
complaints per day · 2011–2026 average
0.2× the median of the 36 scored institutions.
In the Evidence Pack
·Full issue & sub-issue breakdown, with counts
·24-month complaint-rate trajectory
·A worsening pattern exists (directional)
·Hash-verified provenance on file
Where complaints concentrate · top 3 product categories
Checking & savings
0.05/1k
797
Mortgages
0.01/1k
186
Money transfers
0.01/1k
88
5 nearest rates in scored dataset
0.03/1k
0.07/1k
0.07/1k
0.09/1k
0.17/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
This institution is not confidence-scored in the current snapshot.
The Directional confidence tier covers institutions whose per-1,000-customer rate we do not yet stand behind, for either of two reasons: complaint volume on file is too thin to be stable, or the FDIC deposit figure behind the customer estimate is a weak proxy for that institution's actual customer base. Position against scored peers shown above is directional only. Sub-signal observations (timely response, enforcement record, complaint category distribution) remain on the federal record and render below where data is present.
FULL RECORD
Complaint Profile
Rate / 1,000 est. customers0.09/1k
Total complaints (2011–2026)1,379
Year-on-year trendWorsening
Timely response rate99.6%
Complaint rate normalised per 1,000 estimated customers.
Financial Health Indicators
Net charge-off rate0.45%✓ healthy
Tier 1 capital ratio12.5%✓ adequate buffer
Loan loss reserve ratio1.05%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$24.99M
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate4.5%
Mortgage denial rate detailNot reportedPer-race denial rates not currently reported pending independent verification of per-race application data.
Based on 44 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
The full issue and sub-issue breakdown for FIRST CITIZENS BANCSHARES, INC., with per-issue complaint counts, is included in the Evidence Pack.
Request the Evidence Pack →Methodological notes
Received TARP government bailout: $25M
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›