Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 8

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 8
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), regulations and regulatory interpretations, including potential increased regulatory requirements, limitations, and costs, such as FDIC special
assessments, increases to FDIC deposit insurance premiums and the proposed interagency rule on regulatory capital, along with the risk that such laws, regulations and regulatory interpretations may change, the availability of capital and personnel,
and the risks associated with BancShares’ previously completed acquisition transactions, the BMO Branch Acquisition (as defined herein), or any future transactions. The foregoing list of factors is not exhaustive. Additional factors that could
cause results to differ materially from those described above can be found in BancShares’ Annual Report on Form 10-K for the year ended December 31, 2024, as updated by our Quarterly Reports on Form
10-Q, each as filed with the SEC.

We assume no obligation to update any forward-looking
statements. All forward-looking statements speak only as of the date they are made and are based on information available at that time. We do not assume any obligation to update forward-looking statements to reflect circumstances or events that
occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by applicable federal securities laws. As forward-looking statements involve significant risks and uncertainties,
caution should be exercised against placing undue reliance on such statements. You are encouraged to carefully review and consider the various disclosures made in this prospectus supplement, in the accompanying prospectus and in BancShares’
other reports filed with the SEC for more information about the risks and factors that may affect our business, results of operations, financial condition, or prospects.

S-iv

PROSPECTUS SUPPLEMENT SUMMARY

This summary highlights selected information contained or incorporated by reference in this prospectus supplement and the accompanying prospectus and does not contain all the information that you need to consider in making your investment decision. You should carefully read this entire prospectus supplement, the accompanying prospectus, any related free writing prospectus and the documents incorporated herein and therein by reference, before deciding whether to invest in the depositary shares. You should pay special attention to the “Risk Factors” section of this prospectus supplement and contained in our Annual Report on Form 10-Kfor the year ended December 31, 2024, as updated by our Quarterly Reports on Form 10-Qfor subsequent periods, to determine whether an investment in the depositary shares is appropriate for you.

First Citizens BancShares, Inc.

First Citizens BancShares, Inc. is a financial holding company for Raleigh, North Carolina