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

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 25
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 incorporation or the certificate of designation is inconsistent with the information in this prospectus supplement or the accompanying prospectus, the information in our certificate of incorporation or the certificate of designation, as applicable, will apply and supersede information in this prospectus supplement and the accompanying prospectus. You should read our certificate of incorporation, including the certificate of designation, for the provisions that are important to you.

General

Our certificate of incorporation authorizes us to issue 20,000,000 shares of preferred stock, par value $0.01 per share, and our board of
directors is authorized to issue shares of preferred stock from time to time, to create series thereof, to establish the number of shares to be included in each such series, and to fix the designations, powers, rights, preferences, limitations, or
restrictions thereof.

Prior to the issuance of the Series D Preferred Stock, we will file the certificate of designation with the
Delaware Secretary of State, which will have the effect of amending our existing certificate of incorporation to establish the terms of the Series D Preferred Stock. The certificate of designation will initially authorize
shares of Series D Preferred Stock. We may, without notice to or the consent of holders of the Series D Preferred Stock, issue additional shares of Series D Preferred Stock from time to time. We are offering
shares of the Series D Preferred Stock in the aggregate by this prospectus supplement and the accompanying prospectus in connection with this offering.

When issued, the Series D Preferred Stock will constitute a single series of our preferred stock, consisting of up to 5,000 authorized shares,
par value $0.01 per share, with a liquidation preference of $100,000 per share. The holders of the Series D Preferred Stock will have no preemptive rights. All of the shares of the Series D Preferred Stock, when issued and paid for, will be validly
issued, fully paid, and nonassessable.

The Series D Preferred Stock will rank, with respect to the payment of dividends and distributions
upon liquidation, dissolution, or winding-up, senior to our common stock and each other class or series of preferred stock we may issue in the future, the terms of which do not expressly provide that it ranks
on a parity with or senior to the Series D Preferred Stock as to dividend rights and rights on our liquidation, winding-up, and dissolution (collectively, the “junior securities”). The Series D
Preferred Stock will rank on a parity with any class or series of our