Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 84

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 2
Chunk 84
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14.05 %$24,713 14.25 %$24,610 15.04 %14.27 %Tier 1 risk-based capital8.50 8.00 21,524 12.15 21,896 12.63 22,137 13.53 12.84 Common equity Tier 17.00 6.50 20,643 11.65 21,015 12.12 21,256 12.99 12.33 Tier 1 leverage ratio4.00 5.00 21,524 9.34 21,896 9.62 22,137 9.90 n/a (2)FCBRisk-based capital ratiosTotal risk-based capital10.50 %10.00 %$23,912 13.51 %$24,361 14.06 %$23,975 14.66 %13.91 %Tier 1 risk-based capital8.50 8.00 21,876 12.36 22,289 12.87 21,852 13.37 12.68 Common equity Tier 17.00 6.50 21,876 12.36 22,289 12.87 21,852 13.37 12.68 Tier 1 leverage ratio4.00 5.00 21,876 9.51 22,289 9.81 21,852 9.78 n/a (2)

(1) Adjusted capital ratios exclude the impact of the FDIC Shared-Loss Agreement and are considered non-GAAP measures. Refer to the “Non-GAAP Financial Measurements” section of this MD&A for a reconciliation from the most comparable GAAP measure to the non-GAAP measure.

(2) The adjusted tier 1 leverage ratio is not applicable because the FDIC Shared-Loss Agreement did not impact the tier 1 leverage ratio.

As of September 30, 2025, BancShares and FCB had risk-based capital ratio conservation buffers of 6.05% and 5.51%, respectively, which are in excess of the Basel III conservation buffer of 2.50%. As of December 31, 2024, BancShares and FCB’s risk-based capital ratio conservation buffers were 7.04% and 6.66%, respectively. The capital