The bank is a full-service institution that provides personal, business, and corporate banking services, as well as wealth management, insurance, investment, and retirement services. It operates as a wholly-owned subsidiary of First Citizens BancShares, which has over $35 billion in assets. First Citizens Bank is committed to diversity, service excellence, and the security of financial information. It has a network of over 500 branches in 22 states and offers a nationwide direct bank. The bank provides debt financing, such as debt refinancing, loans, and revolving credit lines to small and medium-sized companies.