Entegra Financial

What Entegra Financial does

Entegra Financial is a community-oriented, for-profit, privately held bank headquartered in Franklin, United States, that provides retail and commercial banking products and services. The firmographic record dates the institution to 1922 and lists its web presence at entegrabank.com, consistent with a long-standing community banking franchise rather than a de novo or digital-only entrant. The product surface indicated at the firmographic level covers standard retail consumer banking (deposits, lending, cards) and commercial banking (business deposits, credit, treasury-adjacent services) typical of a community bank of its vintage.

The source corpus available for this profile is dominated by First Citizens Bank material, and the underlying records explicitly state that Entegra Financial was not found in the provided source data. As a result, the granular operational detail captured in this analysis — including descriptions of digital banking platforms, commercial treasury suites, wealth management affiliates, and certification footprint (FDIC, FINRA, SIPC, SEC) — describes the affiliated First Citizens franchise rather than independently verified Entegra Financial attributes, and should be interpreted as informational context for the broader platform rather than as primary, Entegra-specific operational facts.

On revenue mechanics, the community banking business model is driven primarily by net interest income from deposit spreads and loan portfolios, supplemented by non-interest income from service charges, card interchange, mortgage origination, and wealth or treasury fees where offered. Pricing is relationship-tiered (entry, premier/premium, private banking) and rate-sensitive. Distribution is typically hybrid — physical branches in core markets plus digital channels — with go-to-market leaning on local relationship managers for SMB and commercial lending. No specific pricing schedules, segment revenue splits, or product-level economics for Entegra Financial are present in the source data, so the analysis above relies on standard community-bank industry mechanics rather than disclosed Entegra figures.

Name

Entegra Financial

Legal name

First-Citizens Bank & Trust Company

Website

https://entegrabank.com

Company type

Public

Founded year

1898

Operating status

Operating

Short description

Entegra Financial is a privately held, for-profit community bank founded in 1922 and headquartered in Franklin, United States, that provides retail and commercial banking products and services to consumer and business clients.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Treasury & Risk Management Solutions (FX/MM, hedging, TMS integration) (FSABAIAE)

Keywords

• Retail banking services
• Commercial lending products
• Community bank deposits
• Small business banking
• Wealth management services

Headquarters

HQ city

Franklin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Net Interest Income: Interest income from personal and commercial loans (mortgages, auto loans, home equity, business loans, commercial real estate) offset by interest paid on deposits (checking, savings, CDs, money market accounts). Core revenue driver for banking operations.
2. Non-Interest Income - Wealth Management & Brokerage: Fees from First Citizens Investor Services (FCIS) brokerage services, First Citizens Asset Management (FCAM) advisory services, and SVB Wealth LLC. Includes advisory fees, commissions, and managed account fees.
3. Credit Card Revenue: Transaction fees, interchange income, and annual fees from credit card products including Cash Rewards, Rewards, Travel Rewards, and Secured Cash Back cards.
4. Commercial Banking Fees: Treasury management fees, merchant services fees, international banking fees (letters of credit, wire transfers), and commercial real estate lending fees.
5. Insurance Products: Commissions from accident, life, pet, property, umbrella, and vehicle insurance products offered through First Citizens Investor Services as licensed insurance agency.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels5 records

Core offering

Entegra Financial is a community bank founded in 1922 and headquartered in Franklin, United States, that provides retail and commercial banking products and services to individuals, small businesses, and commercial clients. The aggregated source material attributes detailed product information (personal banking, small business, commercial, and wealth management) to First Citizens Bank under the same source identifier, suggesting Entegra Financial operates a comparable full-service banking platform spanning deposits, lending, credit cards, mortgages, treasury management, and wealth services.

Product overview

First Citizens Bank offers a unified banking platform providing personal, small business, commercial, and wealth management services. The core Digital Banking platform serves as the primary interface for personal banking customers, while Commercial Advantage provides commercial online banking. Personal banking includes Checking, Savings, Credit Cards, Mortgages, Loans, Retirement, Investments, and Insurance products organized in tiers (Primary, Premier, Prestige). Small Business services encompass Cash Management, Deposits, Credit & Financing, International Banking, and Risk Management. Commercial services include Asset-Based Lending, Capital Markets, Commercial Real Estate, Middle Market Banking, and Treasury Management. Wealth Management through First Citizens Wealth offers Trust & Fiduciary Services, Investment Solutions, Private Banking, and Institutional Asset Management. These products interrelate through shared digital banking infrastructure and cross-sell opportunities across personal, business, and wealth segments.

Differentiator

Problem solved

Functional benefit

Brands

• First Citizens Wealth: Registered trademark of First Citizens BancShares, Inc. offering wealth management products and services.
• First Citizens Wealth
• First Citizens Investor Services
• First Citizens Rewards

Products and services

• Digital Banking

Quantifiable outcome

• Earn up to 4.00% APY on 5-month CD

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and support.

• First Citizens Investor Services, Inc. (FCIS)coreImplementation/ SI/ Consulting PartnerRegistered broker-dealer (Member FINRA and SIPC) and licensed insurance agency through which brokerage products, advisory services, and insurance products are offered. Part of First Citizens BancShares affiliate structure.
• First Citizens Asset Management, Inc. (FCAM)coreImplementation/ SI/ Consulting PartnerSEC-registered investment adviser providing professional investment advisory services. Affiliate entity through which managed advisory services are delivered.
• SVB Wealth LLC (SVBW)coreImplementation/ SI/ Consulting PartnerSEC-registered investment adviser providing additional wealth management and advisory capabilities. Strategic addition to wealth management affiliate network.
• First Citizens Delaware Trust CompanycoreStrategic or Co-development PartnerTrust company subsidiary providing Delaware Trust Services including specialized fiduciary services and trust administration leveraging Delaware's favorable trust law.
• MoneyGuideProsupportTechnology or IntegrationFinancial planning software platform integrated into First Citizens Wealth offerings for professional investment advisory and comprehensive financial planning.
• Ascensus (Retirement Plan Services)supportTechnology or IntegrationThird-party retirement plan recordkeeping platform providing administration for IRA and retirement account services.
• Betterment (Retirement Plan Services)supportTechnology or IntegrationPartner for workplace retirement plan services, offering automated investing and retirement planning tools for business retirement benefit programs.

Scale indicators2 records

Expansion highlights1 record

Direct peers

• Simmons First National Corporation: Pine Bluff, AR-based bank holding company with community banking model across multiple Southeast and Midwest states. Comparable product suite including commercial lending and wealth management.
• United Community Banks: Blairsville, GA-based regional bank holding company with significant presence across the Carolinas and Southeast. Comparable community banking model with similar product breadth, though at larger scale than Entegra.
• SouthState Corporation: Columbia, SC-based regional bank formed from multiple Southeast community bank mergers. Comparable regional community banking footprint spanning NC, SC, VA, GA, FL with similar product mix.
• Pinnacle Financial Partners: Nashville, TN-based bank holding company with operations across the Southeast including North Carolina. Similar community/commercial banking focus with comparable product suite to Entegra.
• Atlantic Union Bankshares: Richmond, VA-based regional bank holding company with community/commercial banking presence across Virginia, North Carolina, and Maryland. Similar product mix and Mid-Atlantic/Southeast regional focus.
• HomeTrust BancShares: Asheville, NC-based community bank holding company with similar asset size and adjacent western North Carolina footprint. Operates a comparable community banking model with retail and commercial lending, making it the most directly comparable peer to Entegra.
• Trustmark Corporation: Jackson, MS-based bank holding company with community and commercial banking across the Southeast. Similar full-service model and asset size profile to Entegra.
• FNB Corporation: Pittsburgh, PA-based regional bank holding company with significant Southeast presence following the Yadkin Financial acquisition. Comparable regional community banking model across multiple states.
• Renasant Corporation: Tupelo, MS-based regional bank holding company with community banking presence across the Southeast. Similar full-service retail and commercial banking model at comparable regional scale to Entegra.
• First Bancorp: Southern Pines, NC-based community bank with comparable asset base and full-service retail/commercial banking across North and South Carolina. Similar charter type and product mix make this a strong direct peer for Entegra.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• Xtwitter.com/firstcitizens
• YouTubeyoutube.com/channel/UCGp8w5KIoFheteqBeKaKuXw
• Facebookfacebook.com/firstcitizensbank
• LinkedInlinkedin.com/company/entegrabank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Entegra Financial