First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company (FCB) and IronStone Bank (ISB). It offers a range of banking services for both retail and commercial customers. The company primarily provides various products, including savings, money market accounts, and time deposits; commercial, business, and consumer lending services; trust services; wealth management; and other commercial banking services. It also underwrites and sells credit-related life insurance products, as well as offers various investment products, including annuities, discount brokerage services, and third-party mutual funds to customers. In addition, the company engages in writing property and casualty insurance. As of December 31, 2004, First Citizens operated 386 branch offices in North Carolina, Virginia, West Virginia, Florida, Georgia, Texas, Arizona, California, New Mexico, Colorado, Oregon, and Washington. The company was founded by 1893 and is based in Raleigh, North Carolina.
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