Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 9

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 9
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 senior notes will mature on   , 20   (the “senior notes maturity date”), unless previously redeemed in whole or in part as described below under “Description of Notes—Senior 
 Notes—Redemption.”                                                                                                                                                                |

| Interest Rate | Fixed Rate Period |

| From (and including) the senior notes issue date to (but excluding)   , 20   , or the date of earlier redemption (the “senior notes fixed rate period”), interest will accrue on the 
 senior notes at a rate of   % per annum.                                                                                                                                             |

| Floating Rate Period |

| From (and including)   , 20   to (but excluding) the senior notes maturity date or the date of earlier redemption (the “senior notes floating rate period”), interest will accrue on the                                          
 senior notes at a rate equal to a benchmark rate based on the Compounded SOFR Index Rate plus    basis points per annum, as further described below. In no event will the interest payable on the senior notes be less than zero. |

| The interest rate for each quarterly interest period during the senior notes floating rate period (each, a “floating rate interest period”) will be calculated quarterly on the applicable Interest Determination                               
 Date. Except as described herein, “Interest Determination Date” means, for any senior notes floating rate interest payment date (as defined below), the second U.S. Government Securities Business Day (as defined herein) preceding such date. |

| Interest Payment Dates | Fixed Rate Period |

| Interest will be payable semi-annually in arrears on    and    of each year, commencing on   , 2025, and ending on   , 20  , or on any redemption date (each, a 
 “senior notes fixed rate interest payment date”).                                                                                                               |

S-2

| Floating Rate Period |

| Interest will be payable quarterly in arrears on   ,    ,   , and    of each year, commencing on   , 20  , and ending on the senior                                                                                             
 notes maturity date or on any redemption date (each, a “senior notes floating rate interest payment date” and, together with the senior notes fixed rate interest payment dates, each