First-Citizens Bank & Trust Company is a commercial banking institution headquartered in Raleigh, North Carolina. Established in 1898, First-Citizens Bank & Trust provides personal, business, and corporate banking services. Additionally, First-Citizens Bank & Trust provides wealth management, insurance, investment, and retirement services. First-Citizens Bank & Trust Company operates as a wholly-owned subsidiary of First Citizens BancShares. The bank provides debt financing such as debt refinancing, loans, and revolving credit lines to small and medium-sized companies.