Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 75

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 2
Chunk 75
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 asset/liability management system. Scenarios that impact balance sheet composition or the sensitivity to key assumptions are also evaluated.

We use results of our various interest rate risk analyses to formulate and implement asset and liability management strategies, in coordination with the Asset and Liability Committee, to achieve the desired risk profile, while managing our objectives for market risk and other strategic objectives. Specifically, we may manage our interest rate risk position through certain pricing strategies and product design for loans and deposits, our investment portfolio, funding portfolio, or by using derivatives to mitigate earnings volatility. 

The above sensitivities provide an estimate of our interest rate sensitivity; however, they do not account for potential changes in credit quality, size, mix, or changes in the competition for business in the industries we serve. They also do not account for other business developments and other actions. Accordingly, we can give no assurance that actual results would not differ materially from the estimated outcomes of our simulations. 

Loan Maturity and Loan Interest Rate Sensitivity

The following table provides loan maturity distribution information:

Table 47Loan Maturity Distribution

dollars in millionsAt September 30 2025, MaturingWithinOne YearOne to FiveYearsFive to 15YearsAfter 15 YearsTotalCommercialCommercial construction$1,394 $3,759 $730 $43 $5,926 Owner occupied commercial mortgage1,831 8,484 6,477 440 17,232 Non-owner occupied commercial mortgage3,223 9,750 1,892 780 15,645 Commercial and industrial11,106 24,283 4,781 1,002 41,172 Leases641 1,349 76 — 2,066 Global fund banking29,044 2,148 423 — 31,615 Investor dependent1,164 1,608 — — 2,772 Total commercial48,403 51,381 14,379 2,265 116,428 ConsumerResidential mortgage687 2,865 7,736 11,748 23,036 Revolving mortgage51 187 1,049 1,507 2,794 Consumer auto330 984 149 — 1,463 Consumer other323 565 144 5 1,037 Total consumer1,391 4,601 9,078 13,260 28,330 Total loans and leases