Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 251

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 251
---
21,524 12.15 21,896 12.63 22,137 13.53 12.84 Common equity Tier 17.00 6.50 20,643 11.65 21,015 12.12 21,256 12.99 12.33 Tier 1 leverage ratio4.00 5.00 21,524 9.34 21,896 9.62 22,137 9.90 n/a (2)FCBRisk-based capital ratiosTotal risk-based capital10.50 %10.00 %$23,912 13.51 %$24,361 14.06 %$23,975 14.66 %13.91 %Tier 1 risk-based capital8.50 8.00 21,876 12.36 22,289 12.87 21,852 13.37 12.68 Common equity Tier 17.00 6.50 21,876 12.36 22,289 12.87 21,852 13.37 12.68 Tier 1 leverage ratio4.00 5.00 21,876 9.51 22,289 9.81 21,852 9.78 n/a (2)

(1) Adjusted capital ratios exclude the impact of the FDIC Shared-Loss Agreement and are considered non-GAAP measures. Refer to the “Non-GAAP Financial Measurements” section of this MD&A for a reconciliation from the most comparable GAAP measure to the non-GAAP measure.

(2) The adjusted tier 1 leverage ratio is not applicable because the FDIC Shared-Loss Agreement did not impact the tier 1 leverage ratio.

As of September 30, 2025, BancShares and FCB had risk-based capital ratio conservation buffers of 6.05% and 5.51%, respectively, which are in excess of the Basel III conservation buffer of 2.50%. As of December 31, 2024, BancShares and FCB’s risk-based capital ratio conservation buffers were 7.04% and 6.66%, respectively. The capital ratio conservation buffers represent the excess of the regulatory capital ratios as of September 30, 2025 and December 31, 2024 over the Basel III minimum for the applicable ratio. Additional Tier 1 capital for