Operating through its First Citizens National Bank subsidiary, First Citizens Bancshares, Inc. offers a comprehensive array of commercial banking services to both individual and corporate customers throughout the mid-southern United States. The company provides essential banking products such as checking, savings, and certificate of deposit accounts, in addition to a variety of lending solutions including residential, commercial, consumer, personal, and home loans, alongside home equity lines of credit. For commercial clients, the bank extends specialized financing for real estate, construction, equipment, and residential development projects, as well as operating loans, lines of credit, and government-backed SBA and USDA loans.