Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 12

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 12
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 of Proceeds | We estimate that the net proceeds from this offering of the Notes will be approximately $   , after deducting the underwriting discounts and our estimated offering expenses. We intend to use the net proceeds of this offering of 
 the Notes for general corporate purposes. See “Use of Proceeds.”                                                                                                                                                                    |

| Events of Default | Certain events of bankruptcy, insolvency or receivership relating to us will be events of default with respect to the Notes. |

| If an event of default has occurred, the principal of and accrued but unpaid interest on the Notes will automatically, and without any declaration or other action on the part of the Trustee or any holder of Notes, 
 become immediately due and payable.                                                                                                                                                                                   |

| A default in the payment of principal of or interest on the Notes or in our performance of any other obligation under the Notes or the Subordinated Indenture will not constitute an event of default under the 
 Subordinated Indenture and will not give rise to any right of acceleration.                                                                                                                                     |

| See “Description of Notes—Events of Default; Notices of Default” in this prospectus supplement. |

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

S-4

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

| Governing Law | The Notes and the Subordinated Indenture pursuant to which we will issue the 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 Notes involves risks. Potential investors are urged to read and consider the risk factors relating to an investment in the Notes set forth under “Risk Factors” beginning on        
 page S-6 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 Notes.                                                                                             |

S-5

RISK FACTORS

An investment