First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides banking services to retail and commercial customers. Its deposit products include demand, checking, savings, and time deposits, as well as money market accounts. The company’s loan products portfolio comprises commercial construction and land development loans; commercial mortgage loans, commercial and industrial loans, and lease financing; other commercial real estate loans; revolving mortgage loans; consumer loans; and residential mortgage, and noncommercial construction and land development loans. It also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment services, including annuities, discount brokerage services, and third-party mutual funds, as well as investment advisory services; and title insurance products. The company offers its products and services through its branch network, as well as through online banking, telephone banking, mobile banking, and various ATM networks. As of December 31, 2014, it operated 572 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and the District of Columbia. The company was founded in 1898 and is headquartered in Raleigh, North Carolina.