Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 299

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 299
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 349 Investor dependent127 — — 1 128 Total commercial682 2 9 21 714 ConsumerResidential mortgage9 1 2 4 16 Revolving mortgage6 — — — 6 Total consumer15 1 2 4 22 Total loans and leases$697 $3 $11 $25 $736 At September 30, 2025, there were $17 million of commitments to lend additional funds to debtors experiencing financial difficulty for which the terms of the loan were modified during the nine months ended September 30, 2025. At December 31, 2024, there were $55 million of commitments to lend additional funds to debtors experiencing financial difficulty for which the terms of the loan were modified during the year ended December 31, 2024.

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Loans Pledged The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the Federal Reserve Bank (“FRB”) and FDIC. Loans Pledged dollars in millionsSeptember 30, 2025December 31, 2024FHLB of AtlantaLendable collateral value of pledged non-PCD loans$19,472 $17,873 Less: advances— — Less: letters of credit1,450 1,450 Available borrowing capacity$18,022 $16,423 Pledged non-PCD loans$31,945 $30,421 FRBLendable collateral value of pledged non-PCD loans$13,328 $5,475 Less: advances— — Available borrowing capacity$13,328 $5,475 Pledged non-PCD loans$13,804 $6,309 FDIC Lendable collateral value of pledged loans$36,228 $41,282 Less: advances— — Less: Purchase Money Note35,991 35,991 Available borrowing capacity (1)$— $5,291 Pledged loans (1)$34,860 $41,040 (1) The draw period ended on March 27, 2025, therefore there is no available borrowing capacity at September 30, 2025. Loans remain pledged as collateral for the Purchase Money Note.As a member of the FHLB, FCB can access financing based on an evaluation of its creditworthiness,