Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 41

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 41
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 us that are delivered to the depositary and that we are required to
furnish to the holders of the Series D Preferred Stock.

Preemptive and Conversion Rights

The holders of the depositary shares and the Series D Preferred Stock do not have any preemptive or conversion rights.

Listing

None.

Depositary, Dividend Disbursing Agent, Registrar and Redemption Agent

Broadridge Corporate Issuer Solutions, LLC will be the depositary, registrar, redemption agent, and dividend disbursing agent for the
depositary shares.

S-25

DESCRIPTION OF BANCSHARES’ CAPITAL STOCK As of the date of this prospectus supplement, we are authorized to issue a total of 54,000,000 shares of all classes of stock. Of the total number of authorized shares of stock, 32,000,000 shares are designated as Class A common stock, par value $1.00 per share, 2,000,000 shares are designated as Class B common stock, par value $1.00 per share, and 20,000,000 shares are designated as preferred stock, par value $0.01 per share. As of September 30, 2025, there were 11,613,444 shares of Class A common stock issued and outstanding, 1,005,185 shares of Class B common stock issued and outstanding, 345,000 shares of Series A Preferred Stock issued and outstanding, 325,000 shares of Series B Preferred Stock issued and outstanding, and 8,000,000 shares of Series C Preferred Stock issued and outstanding. The following description of the terms of our capital stock is only a summary. For a complete description, we refer you to the DGCL, our certificate of incorporation (including the certificates of designation of the Series A Preferred Stock, the Series B Preferred Stock, and the Series C Preferred Stock) and our bylaws. Preferred Stock Our board of directors is authorized to issue shares of preferred stock from time to time, to create series thereof, to establish the number of shares to be included in each such series, and to fix the designations, powers, preferences, and the relative, participating, optional, or other rights of the shares of each series, and any qualifications, limitations, or restrictions thereon, all by its resolution. Without limiting the generality of the foregoing authority, our board of directors is authorized to fix and determine with respect to each separate series:

| • |     | the designation of and the number of shares