Florida › Boca Raton › First-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 22 licensed Florida offices: Belleair Bluffs, Boca Raton, Bonita Springs, Coconut Grove, Coral Gables, Coral Springs, Doral, Fort Lauderdale and more. It is part of FIRST CITIZENS BANCSHARES, INC..
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Belleair Bluffs, Boca Raton, Bonita Springs, Coconut Grove, Coral Gables, Coral Springs, Doral, Fort Lauderdale, Fort Myers, Jacksonville, Jupiter, Lake Mary, Lakewood Ranch, Marco Island, Naples, Pinellas Park, Ponte Vedra Beach, St Petersburg, South Miami, Stuart, Tampa, Winter Park |
| Legal entity | First-Citizens Bank & Trust Company, LEI L9VVX1KT5TFTKS0MLF66, Active |
| Parent company | FIRST CITIZENS BANCSHARES, INC. |
| Counties | Broward, Collier, Duval, Hillsborough, Lee, Manatee, Martin, Miami-Dade, Orange, Palm Beach, Pinellas, St. Johns, Seminole |
| Website | firstcitizens.com |
| Phone | (888) 280-2885 |
Loan types First-Citizens Bank & Trust Company lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Boca Raton firms offering it.
- 10 year fixed mortgages
- 15 year fixed mortgages
- Adjustable rate mortgages (ARM)
- Asset depletion loans
- Bridge loans
- Construction loans
- Conventional mortgages
- Data center financing
- Down payment assistance programs
- Equipment financing
- FHA loans
- First time home buyer loans and programs
- Interest only mortgages
- Jumbo loans
- Physician mortgages
- Refinance
- Renovation loans
- SBA loans
- Small business loans
- Florida Housing and Hometown Heroes loans
- USDA loans
- USDA business loans
Bank facts from the FDIC
| Total assets | $236,317,000,000 |
| Deposits | $173,952,000,000 |
| Offices nationwide | 517 |
| Florida offices | 27 |
| Return on assets | 1.03% |
| Established | 1898 |
| Headquarters | Raleigh, NC |
| Holding company | FIRST CITIZENS BANCSHARES INC |
FDICFDIC institution record for certificate 11063, latest quarterly filing. Dollar figures as reported.
Loan mix from federal filings
| Florida loans originated, 2025 | 266 |
| Applications | 532 |
| Denial rate | 20% |
| Conventional / FHA / VA / USDA | 98% / 0% / 2% / 0% |
| Purchase / refinance / cash out | 45% / 12% / 2% |
| Home improvement / other purpose | 18% / 23% |
| Home equity lines of credit (HELOC) | 122 of the 266 |
| Investor and second home share | 11% |
| Dollar volume | $152,750,000 |
| Top counties | Palm Beach (39), Miami-Dade (33), Broward (29), Collier (18), Duval (17) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by First-Citizens Bank & Trust Company. Counts are loans in Florida only.
First-Citizens Bank & Trust Company offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Belleair Bluffs | 101 Indian Rocks Rd N 33770 | Branch | |
| Boca Raton | 5099 N Federal Hwy 33431 | Branch | |
| Bonita Springs | 8891 Timberwilde Dr 34135 | Branch | |
| Coconut Grove | 2601 S Bayshore Dr 33133 | Branch | |
| Coral Gables | 250 Palermo Ave 33134 | Branch | |
| Coral Springs | 5721 Coral Ridge Dr 33076 | Branch | |
| Doral | 3750 Nw 87th Ave 33178 | Branch | |
| Fort Lauderdale | 6451 N Federal Hwy 33308 | Branch | |
| Fort Myers | 16700 Bass Rd 33908 | Branch | |
| Jacksonville | 13860 Old Augustine Road 32258 | Branch | |
| Jacksonville | 1471 San Marco Blvd 32207 | Branch | |
| Jacksonville | 4300 San Pablo Pkwy 32224 | Branch | |
| Jupiter | 1098 Military Trl 33458 | Branch | |
| Lake Mary | 875 Currency Cir 32746 | Branch | |
| Lakewood Ranch | 9121 Town Center Parkway 34202 | Branch | |
| Marco Island | 1770 San Marco Rd 34145 | Branch | |
| Naples | 1030 Crosspointe Dr 34110 | Branch | |
| Naples | 3055 Tamiami Trl N 34103 | Branch | |
| Pinellas Park | 7401 Park Blvd N 33781 | Branch | |
| Ponte Vedra Beach | 832 Us Highway A1A N 32082 | Branch | |
| South Miami | 7301 Sw 57th Ct 33143 | Branch | |
| St Petersburg | 5900 Central Ave 33707 | Branch | |
| Stuart | 2171 Se Federal Hwy 34994 | Branch | |
| Tampa | 10670 Palm River Road 33619 | Branch | |
| Tampa | 13015 Race Track Rd 33626 | Branch | |
| Tampa | 327 N Dale Mabry Hwy 33609 | Branch | |
| Winter Park | 517 W Morse Blvd 32789 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Palm Beach County at a glance
| Mortgage applications filed in 2025 | 63,748 |
| Loans originated | 28,383 |
| Denial rate | 20% |
| FHA share of originations | 12% |
| VA share | 3% |
| Investor and second home share | 15% |
| Dollar volume originated | $14,377,195,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Palm Beach County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.