Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 73

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 2
Chunk 73
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 commercial44,270 52,298 14,092 2,347 113,007 ConsumerResidential mortgage671 2,860 7,720 11,808 23,059 Revolving mortgage59 187 1,021 1,469 2,736 Consumer auto338 1,020 132 — 1,490 Consumer other290 556 122 9 977 Total consumer1,358 4,623 8,995 13,286 28,262 Total loans and leases$45,628 $56,921 $23,087 $15,633 $141,269 

As noted above, approximately 64% of our total loans have floating contractual reference rates, indexed primarily to SOFR and the U.S. prime rate. The following table provides information regarding fixed and variable interest rate loans and leases maturing one year or after, as of June 30, 2025:  

Table 48

Fixed and Variable Interest Rate Loans 

dollars in millionsLoans Maturing One Year or After withFixed Interest RatesVariable Interest RatesCommercialCommercial construction$1,385 $2,899 Owner occupied commercial mortgage13,352 1,908 Non-owner occupied commercial mortgage6,263 6,527 Commercial and industrial10,054 20,195 Leases1,389 7 Global fund banking1 2,346 Investor dependent20 2,391 Total commercial32,464 36,273 ConsumerResidential mortgage8,636 13,752 Revolving mortgage30 2,647 Consumer auto1,152 — Consumer other273 414 Total consumer10,091 16,813 Total loans and leases$42,555 $53,086 

97

Liquidity Risk

Our liquidity risk management and monitoring process is designed to ensure the availability of adequate cash and collateral resources and funding capacity to meet our obligations. Our overall liquidity management strategy is intended to ensure appropriate liquidity to meet expected and contingent funding needs under both normal and stressed environments. Consistent with this strategy, we maintain sufficient amounts of available cash and HQLS. Additional sources of liquidity include committed credit facilities, repurchase agreements, brokered certificates of deposit issuances, unsecured debt issuances, and cash collections generated by portfolio asset sales to third parties. 

We utilize measurement tools to assess and monitor the level and adequacy