Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 20

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 20
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We may choose to redeem the Notes prior to the Maturity Date, but investors should not expect us to redeem the Notes on the date the Notes become redeemable or on any particular date after the Notes become redeemable.

The Notes
have no mandatory redemption date, other than on the maturity date, and are not redeemable at the option of investors. By their terms, the Notes may be redeemed by us, at our option, as described below under “Description of
Notes—Redemption.” Any decision we may make at any time to propose a redemption will depend upon, among other things, our evaluation of our capital position, the composition of our stockholders’ equity and general market conditions
at that time. Furthermore, depending on prevailing interest rates at the time of any such redemption, you may not be able to reinvest the redemption proceeds in a comparable security (including with comparable ratings) at an interest rate as high as
the interest rate of the Notes being redeemed or at an interest rate that would otherwise compensate you for any lost value as a result of any redemption of the Notes.

The interest rate on the Notes will reset on the Reset Date and may result in an interest rate that is less than the initial fixed annual rate of % in effect until the Reset Date.

The interest rate on the Notes on and after the Reset Date will equal the
Five-year U.S. Treasury Rate as of the Reset Determination Date, plus basis points per annum. Therefore, the interest rate on the Notes on and after the Reset Date could be more or less than the initial fixed rate of
% per annum. We have no control over the factors that may affect U.S. Treasury rates, including geopolitical conditions and economic, financial, political, regulatory, judicial or other events that may impact U.S.
Treasury rates.

The historical Five-year U.S. Treasury Rates are not an indication of future Five-year U.S. Treasury Rates.

In the past, U.S. Treasury rates have experienced significant fluctuations. You should note that historical levels, fluctuations and trends of
U.S. Treasury rates are not necessarily indicative of future levels. Any historical upward or downward trend in U.S. Treasury rates is not an indication that U.S. Treasury rates are more or less likely to increase or decrease at any time, and you
should not take the historical U.S. Treasury rates as an indication of future rates.

Holders of the Notes could be at greater risk for being structurally subordinated if we sell or convey all or substantially all of