Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 2

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 2
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 be listed on any securities exchange or included in any automated quotation system. Investing in the notes involves risks. See “ Risk Factors” beginning on page S-11of this prospectus supplement and in “Item 1A—Risk Factors” of our Annual Report on Form 10-Kfor the year ended December 31, 2024 filed with the U.S. Securities and Exchange Commission (the “SEC”) to read about factors you should consider before investing in the notes.

| Per Senior Note       |     | Price to  
 Public(1) |     | % |     | Underwriting 
 Discount(2)  |     | % |     | Proceeds, Before 
 Expenses, to     
 First Citizens   |     | % |
|:----------------------|:----|:----------|:----|:--|:----|:-------------|:----|:--|:----|:-----------------|:----|:--|
| Total                 |     | $         |     |   |     | $            |     |   |     | $                |     |   |
| Per Subordinated Note |     |           |     | % |     |              |     | % |     |                  |     | % |
| Total                 |     | $         |     |   |     | $            |     |   |     | $                |     |   |

| (1) | Plus accrued interest, if any, from     , 2025, if settlement occurs after that date. |

| (2) | See “Underwriting” in this prospectus supplement for details. |

The notes are not savings accounts, deposits, or obligations of any of our bank and non-banksubsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation (the “FDIC”) or any other governmental agency. The notes are ineligible as collateral for a loan or extension of credit from BancShares or any of its subsidiaries. Neither the SEC, the Board of Governors of the Federal Reserve System (the “Federal Reserve”), the FDIC, the North Carolina Office of the Commissioner of Banks, nor any state securities commission or any other bank regulatory agency has approved or disapproved of the securities to be issued under this prospectus supplement or the accompanying prospectus or determined the adequacy or accuracy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense. The underwriters expect to deliver the notes in book-entry form only