Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 13

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 13
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 such additional                 
 senior notes will have a separate CUSIP or other identifying number.                                                                                                                                                                                 |

| Use of Proceeds | We estimate that the net proceeds from this offering of the senior notes will be approximately $    , after deducting the underwriting discounts and our estimated offering expenses. We intend to use the net proceeds of 
 this offering of the senior notes for general corporate purposes. See “Use of Proceeds.”                                                                                                                                   |

| Events of Default | Under the Senior Indenture, with respect to any series of senior debt securities issued on or after the senior notes issue date, including the senior notes, the circumstances under which the payment of the principal amount of such senior debt 
 securities can be accelerated will be limited. See “Description of Notes—Senior Notes—Events of Default; Notices of Default” in this prospectus supplement.                                                                                        |

S-5

| Listing | The senior notes will not be listed on any securities exchange or quoted on any quotation system. Currently, there is no market for the senior notes, and there is no assurance that any public market for the senior notes will develop or be 
 sustained following this offering.                                                                                                                                                                                                             |

| U.S. Federal Income Tax Considerations | For a discussion of material U.S. federal income tax considerations of purchasing, owning, and disposing of the senior notes, see “Material United States Federal Income Tax Considerations.” |

| Governing Law | The senior notes and the Senior Indenture pursuant to which we will issue the senior notes will be governed by the laws of the State of New York. |

| Trustee | U.S. Bank Trust Company, National Association |

| Calculation Agent | U.S. Bank Trust Company, National Association |

| Risk Factors | Investing in the senior notes involves risks. Potential investors are urged to read and consider the risk factors relating to an investment in the senior notes set forth under “Risk Factors” beginning on page S-11 of this prospectus supplement, as well as the risk factors and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus, for a discussion of 
 factors that you should carefully consider before deciding whether to invest in the senior notes.                                                                                                                                                                                                                                                                                                                               |

S-6

SUMMARY OF THE SUBORDINATED NOTES OFFERING The following summary contains basic information about the subordinated 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 subordinated notes. For