Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 71

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 71
---
, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant for the sale of, or lend or otherwise transfer or dispose of, the depositary shares or any securities that are substantially similar to the depositary shares, whether owned as of the date of this prospectus supplement or hereafter acquired or with respect to which such person has or hereafter acquires the power of disposition, or file, or cause to be filed, any registration statement under the Securities Act with respect to any of the foregoing, or (ii) enter into any swap or any other agreement or any transaction that transfers, in whole or in part, directly or indirectly, the economic consequence of ownership of the depositary shares or such other securities, whether any such swap or transaction described in clause (i) or (ii) above is to be settled by delivery of any depositary shares or such other securities, in cash or otherwise. The underwriters propose to offer some of the depositary shares directly to the public at the public offering price set forth on the cover page of this prospectus supplement and may offer some of the depositary shares to dealers at the public offering price less a concession not to exceed $6.00 per depositary share. In addition, the underwriters may allow, and those selected dealers may re-allow,a concession not to exceed $4.00 per depositary share to certain other dealers. After the initial offering of the depositary shares to the public, the representatives may change the public offering price, concession and discount. S-45

The following table shows the per share and total public offering price, underwriting discount, and proceeds before expenses to us.

|                                  |     | Per        
 Depositary 
 Share      |       |     | Total |             |
|:---------------------------------|:----|:-----------|------:|:----|:------|------------:|
| Public offering price            |     | $          | 1,000 |     | $     | 500,000,000 |
| Underwriting discount paid by us |     | $          |    10 |     | $     |   5,000,000 |
| Proceeds, before expenses, to us |     | $          |   990 |     | $     | 495,000,000 |

Prior to this offering, there has been no public market for the depositary shares. We do not expect that there will be any