Also known as First Citizens Bank, Bank of Smithfield, First Citizens Innovation Banking, First Citizens Fund Banking
First-Citizens Bank & Trust Company is the Raleigh, North Carolina bank identified by FDIC certificate 11063. Its franchise includes consumer banking, commercial finance and specialized lending businesses.
First Citizens BancShares is its parent. The Silicon Valley successor division uses First Citizens Innovation Banking branding; it is distinct from the failed historical Silicon Valley Bank. Acquired CIT and Silicon Valley operations are not separate current banks.
Official company information or historical filing ↗
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First Citizens Bank combines a widening branch franchise with CIT-derived equipment and rail finance and the acquired Silicon Valley innovation business. Its 2026 branch acquisition, brand transition and acquisition-related funding make legal entities, service boundaries and reporting dates especially important.
BMO Bank, N.A. combines a large U.S. commercial franchise with household and small-business banking. Its September 2026 branch sale and proposed equipment-finance divestiture make legal-entity boundaries and transaction dates particularly important.
Settle combines purchasing, accounts payable and short-term financing for consumer brands. Its operating data can make funding more convenient, but product-specific contracts, funding costs and credit outcomes determine the economics; the U.S. company is separate from the Norwegian Settle acquired by Sokin.
Parafin embeds working capital, financing for business purchases and revolving cards into business software. Its pending Stripe acquisition brings attention to a model built on platform data, several bank relationships and capital-market funding, with important differences between sales-based payments, bank loans and cash advances.
Curated library records that name First-Citizens Bank & Trust Company or connect through its linked research. The official source provides full scope and status.
No policy-library records are currently linked to this entity.