Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 9

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 9
---
-headquartered First-Citizens Bank & Trust
Company. First Citizens Bank opened in 1898 as the Bank of Smithfield in Smithfield, North Carolina, and later changed its name to First-Citizens Bank & Trust Company. We have expanded throughde novo branching and acquisitions and
operate an extensive network of branches and offices, predominantly located in the Southeast, Mid-Atlantic, Midwest, and Western United States, providing a broad range of financial services to individuals,
businesses and professionals. At September 30, 2025, the Company had total consolidated assets of $233.49 billion.

We provide
financial services for a wide range of consumer and commercial clients. This includes retail and mortgage banking, wealth management, small and middle market banking, factoring and leasing. We provide commercial factoring, receivables management and
secured financing services to businesses (generally manufacturers or importers of goods) that operate in various industries, including apparel, textile, furniture, home furnishings and consumer electronics. We also provide deposit, cash management
and lending to homeowner associations and property management companies. We also own a fleet of railcars and locomotives that are leased to railroads and shippers.

We deliver banking products and services to our customers through an extensive branch network and additionally operate a nationwide digital
banking platform that delivers deposit products to consumers. Services offered at most branches include accepting deposits, cashing checks and providing for consumer and commercial cash needs. Consumer and business customers may also conduct banking
transactions through various digital channels.

In addition to our banking operations, we provide various investment products and services
through First Citizens Bank’s wholly owned subsidiaries, including First Citizens Investor Services, Inc. (“FCIS”) and First Citizens Asset Management, Inc. (“FCAM”), and a
non-bank subsidiary First Citizens Capital Securities, LLC (“FCCS”). As a registered broker-dealer, FCIS provides a full range of investment products, including annuities, brokerage services and
third-party mutual funds. As registered investment advisers, FCIS and FCAM provide investment management services and advice. FCCS is a broker-dealer that also provides underwriting and private placement services. We also have other wholly owned
subsidiaries, including SVB Wealth LLC, SVB Asset Management, and First Citizens Institutional Asset Management, LLC, which are active investment advisers.

BancShares’ Class A common stock is traded on the Nasdaq Global Select Market under the symbol “FCNCA.” BancShares was
incorporated under