Company: FCNCB
Filing Date: 2025-03-07
Form Type: 424B5
Source: 0001193125-25-049895
Chunk: 12

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-07
Form: 424B5
Chunk 12
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 this prospectus supplement.                                                                                        |

S-5

| Listing | The senior notes will not be listed on any securities exchange or quoted on any quotation system. Currently, there is no market for the senior notes, and there is no assurance that any public market for the senior notes will develop or be 
 sustained following this offering.                                                                                                                                                                                                             |

| U.S. Federal Income Tax Considerations | For a discussion of material U.S. federal income tax considerations of purchasing, owning, and disposing of the senior notes, see “Material United States Federal Income Tax Considerations.” |

| Governing Law | The senior notes and the Senior Indenture pursuant to which we will issue the senior notes will be governed by the laws of the State of New York. |

| Trustee | U.S. Bank Trust Company, National Association |

| Calculation Agent | U.S. Bank Trust Company, National Association |

| Risk Factors | Investing in the senior notes involves risks. Potential investors are urged to read and consider the risk factors relating to an investment in the senior notes set forth under “Risk Factors” beginning on page S-11 of this prospectus supplement, as well as the risk factors and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus, for a discussion of 
 factors that you should carefully consider before deciding whether to invest in the senior notes.                                                                                                                                                                                                                                                                                                                               |

S-6

SUMMARY OF THE SUBORDINATED NOTES OFFERING The following summary contains basic information about the subordinated notes and this offering and is not intended to be complete. It does not contain all the information that you should consider before deciding whether to invest in the subordinated notes. For a complete understanding of the subordinated notes, you should read the section of this prospectus supplement titled “Description of Notes—Subordinated Notes.”

| Issuer | First Citizens BancShares, Inc., a Delaware corporation and a financial holding company. |

| Notes Offered | $750,000,000 aggregate principal amount of 6.254% Fixed-to-Fixed Rate Subordinated Notes due 2040 (the “subordinated notes”). |

| From (and including) the subordinated notes reset date to (but excluding) the subordinated notes maturity date or the date of earlier redemption, interest will accrue on the subordinated notes at a rate per annum which           
 will be the Five-year U.S. Treasury Rate (as defined herein) as of the day falling two Business Days prior to the subordinated notes reset date (the “subordinated