Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 100

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 100
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TC for the accounts of its participants, including Clearstream and Euroclear, as operator of the Euroclear System, against payment in New York, New York on or about , 2025, which is the fourth business day following the date of the pricing of the notes (such settlement cycle being referred to as “T+4”). Under Rule 15c6-1promulgated under the Exchange Act, trades in the secondary market generally are required to settle in one business day unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade notes prior to the day before the settlement date will be required, by virtue of the fact that the notes initially will settle in T+4, to specify alternative settlement arrangements to prevent a failed settlement. Such purchasers should consult their own advisors. Underwriting Discounts The representatives have advised us that the underwriters propose initially to offer the senior notes to the public at the public offering price set forth on the cover page of this prospectus supplement and to certain dealers at such price less a concession not in excess of % of the principal amount of the senior notes. In addition, the underwriters may allow, and those selected dealers may re-allow,a concession of up to % of the principal amount of the senior notes, to certain other dealers. After the initial offering, the public offering price, concession or any other term of the offering may be changed. The representatives have advised us that the underwriters propose initially to offer the subordinated notes to the public at the public offering price set forth on the cover page of this prospectus supplement and to certain dealers at such price less a concession not in excess of % of the principal amount of the subordinated notes. In addition, the underwriters may allow, and those selected dealers may re-allow,a concession of up to % of S-62

the principal amount of the subordinated notes, to certain other dealers. After the initial offering, the public offering price, concession or any other term of the offering may be changed.

We estimate that the total expenses of this offering, including registration, filing and listing fees, printing fees and legal and accounting
expenses, but excluding the underwriting discounts, will be approximately $ .

New Issue of Notes

Each series of notes is a new issue of securities with no established trading market. We do not intend to apply for listing of the notes of any
series on any national securities exchange or for inclusion of the notes of any series on any automated dealer quotation system. We have been advised by the underwriters