Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 9

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 9
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 The following summary contains basic information about the Notes and this offering and is not intended to be complete. It does not contain all the information that you should consider before deciding whether to invest in the Notes. For a complete understanding of the Notes, you should read the section of this prospectus supplement titled “Description of Notes.”

| Issuer | First Citizens BancShares, Inc., a Delaware corporation and a financial holding company. |

| Notes Offered | $   aggregate principal amount of   % fixed rate reset subordinated notes due 20  (the “Notes”). |

| Issue Date | , 2025 (the “Issue Date”). |

| Maturity Date | The Notes will mature on   , 20   (the “Maturity Date”), unless previously redeemed in whole or in part as described below under “Description of Notes—Redemption.” |

| Interest Rate | From (and including) the Issue Date to (but excluding)   , 20   (the “Reset Date”) or the date of earlier redemption, interest will accrue on the Notes at a rate of   % per annum. |

| From (and including) the Reset Date to (but excluding) the Maturity Date or the date of earlier redemption, interest will accrue on the Notes at a rate per annum that will be the Five-year U.S. Treasury Rate (as defined 
 herein) as of the day falling two Business Days (as defined herein) prior to the Reset Date (the “Reset Determination Date”) plus    basis points per annum.                                                                |

| Interest Payment Dates | Interest will be payable semi-annually in arrears on   and    of each year and on the Maturity Date and any redemption date, commencing on   , 2026, and ending on the Maturity Date or on any redemption date 
 (each, an “Interest Payment Date”).                                                                                                                                                                            |

| Business Day Convention |

| If any Interest Payment Date is not a Business Day, payment of principal and interest will be postponed to the next day that is a Business Day, but interest on that payment will not accrue during the period from and 
 after the originally scheduled Interest Payment Date.                                                                                                                                                                   |

| Record Date | The fifteenth calendar day (whether or not a Business Day) preceding the related Interest Payment Date. |

| Day Count Convention | 360-day year