Company: FCNCB
Filing Date: 2025-03-07
Form Type: 424B5
Source: 0001193125-25-049895
Chunk: 107

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-07
Form: 424B5
Chunk 107
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 A, are listed on the Nasdaq Global Select Market and trade under the symbol
“FCNCP.” Our 5.625% Non-Cumulative Perpetual Preferred Stock, Series C is listed on the Nasdaq Global Select Market and trades under the symbol “FCNCO.”

Investing in our securities involves risks. See the “ Risk Factors” on page 2 of this prospectus, any applicable prospectus supplement, and under similar headings in the other documents that are incorporated by reference into this prospectus concerning factors you should consider before investing in our securities.

Neither the Securities and Exchange Commission, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the North Carolina Office of the Commissioner of Banks, nor any state securities commission or any other bank regulatory agency has approved or disapproved of the securities to be issued under this prospectus or determined the adequacy or accuracy of this prospectus or any accompanying prospectus supplement. Any representation to the contrary is a criminal offense.

The securities are not savings accounts, deposits, or obligations of any of our bank and non-banksubsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality.

The date of this prospectus is August 14, 2024.

TABLE OF CONTENTS

| ABOUT THIS PROSPECTUS                             |     |  1 |
| RISK FACTORS                                      |     |  2 |
| THE COMPANY                                       |     |  3 |
| SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS |     |  4 |
| DESCRIPTION OF SECURITIES TO BE REGISTERED        |     |  5 |
| USE OF PROCEEDS                                   |     |  7 |
| LEGAL MATTERS                                     |     |  8 |
| EXPERTS                                           |     |  8 |
| WHERE YOU CAN FIND MORE INFORMATION               |     |  9 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE |     | 10 |

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ABOUT THIS PROSPECTUS

This prospectus is part of a shelf registration statement that we filed with the Securities and Exchange Commission (the “SEC”) as a
“well-known seasoned issuer” as defined in Rule 405 under the Securities Act of 1933, as amended (the “Securities Act”) using an automatic “shelf” registration process. Under this shelf registration process, we are
registering an unspecified amount of each class of the securities described in this