United States · Financial institution
First Citizens Bank and Trust CO.
Legal name in the LEI recordFirst-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company is a North Carolina state-chartered commercial bank headquartered in Raleigh. It is a wholly owned subsidiary of First Citizens BancShares, Inc., a financial holding company listed on Nasdaq. The bank opened in 1898 as the Bank of Smithfield and offers personal, business, commercial and wealth banking, including innovation-sector banking through its Silicon Valley Bank division. In March 2023 it took over the deposits and loans of Silicon Valley Bridge Bank, N.A. from the FDIC, and on 4 September 2026 it completed the purchase of 138 branches from BMO Bank N.A.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- FCBTUS33XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under FCBTUS33 directly.
- Swift GPI
- Live member
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1995-05-01
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
100% First Citizens BancShares, Inc.
Institution type
Commercial bank
Trades as First Citizens Bank
- Ownership
- The bank is 100% owned by First Citizens BancShares, Inc., whose Class A shares are listed on Nasdaq under FCNCA.
- Direct parent
- First Citizens BancShares, Inc. ↗, United States 100%
- Head office
- 4300 Six Forks Road, 27609 Raleigh, United States (registered office: 239 Fayetteville Street, Raleigh, NC 27601, United States)
- Company register
- FDIC cert 11063 (Federal Reserve RSSD ID 491224)
Business lines
The bank serves personal, small business, commercial and wealth clients through a nationwide branch network and a direct bank, and offers innovation-sector banking, equipment finance and railcar leasing.
Online
- Websites & references
- firstcitizens.com ↗
ir.firstcitizens.com ↗ investor relations site of the parent, First Citizens BancShares, Inc.
newsroom.firstcitizens.com ↗ newsroom
svb.com ↗ Silicon Valley Bank division (innovation banking)
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
Sources · 13 pages consulted
- firstcitizens.com/
- firstcitizens.com/about-us
- firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/first-citizens-q2-2026-financial-highlights.pdf
- sec.gov/Archives/edgar/data/798941/000079894126000027/ex_991earningsrelease-2q20.htm
- newsroom.firstcitizens.com/2026-09-08-First-Citizens-Bank-Completes-Branch-Acquisition,-Expanding-Presence-Across-th
- newsroom.firstcitizens.com/2026-01-14-First-Citizens-BancShares,-Inc-Announces-Chief-Risk-Officer-Transition,-Names-
- ir.firstcitizens.com/corporate-governance/board-of-directors/person-details/default.aspx?ItemId=1026e81e-792a-
- ffiec.gov/npw/Institution/Profile/491224?dt=20170831
- fdic.gov/news/press-releases/2023/pr23023.html
- sec.gov/Archives/edgar/data/798941/000119312507042406/d10k.htm
- firstcitizens.com/m-a/cit-tms-transition/moving-your-money/international-wire-transfer-services
- newsroom.bmo.com/2026-09-04-BMO-Completes-Sale-of-138-U-S-Branches-to-First-Citizens-Bank
- en.wikipedia.org/wiki/First_Citizens_BancShares
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
- Frank B. Holding, Jr. Chairman and Chief Executive Officer
- Executive
- Hope Holding Bryant Vice Chairwoman and Head of General Bank
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- United States
- Federal Deposit Insurance Corporation Prudential supervisorAML supervisorResolution
- United States
- North Carolina Commissioner of Banks Prudential supervisor
- United States
- Consumer Financial Protection Bureau Conduct
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
The bank completed its acquisition of 138 branches from BMO Bank N.A. on 4 September 2026, assuming about USD 5 billion in deposits and USD 650 million in loans.
newsroom.firstcitizens.com ↗ -
Leadership
First Citizens BancShares announced that Treasurer Tom Eklund would succeed Lorie K. Rupp as Chief Risk Officer from 1 June 2026.
newsroom.firstcitizens.com ↗ -
Merger / acquisition
The bank announced an agreement to acquire 138 branches from BMO Bank N.A. in the Midwest, Great Plains and West.
sec.gov ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- FCBTUS33XXX
- How the BIC breaks down
- FCBTBank
- USCountry · United States
- 33Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- L9VVX1KT5TFTKS0MLF66
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- First Citizens Bancshares, Inc. · United States549300N3Z00ZHE2XC526 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 239 FAYETTEVILLE STREET RALEIGH 27601 UNITED STATES OF AMERICA
- Operational address
- INTERNATIONAL BANKING SERVICES DAC44 100 EAST TRYON ROAD RALEIGH,NC RALEIGH,NC 27603 POB 27131 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>FCBTUS33XXX</BICFI>
<LEI>L9VVX1KT5TFTKS0MLF66</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>FCBTUS33XXX</BICFI>
<LEI>L9VVX1KT5TFTKS0MLF66</LEI>
<Nm>FIRST CITIZENS BANK AND TRUST CO.</Nm>
<PstlAdr>
<TwnNm>RALEIGH</TwnNm>
<Ctry>US</Ctry>
<AdrLine>239 FAYETTEVILLE STREET RALEIGH 27601</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: firstcitizens.com (official website) · original.
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