Company: FCNCB
Filing Date: 2025-03-07
Form Type: 424B5
Source: 0001193125-25-049895
Chunk: 8

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-07
Form: 424B5
Chunk 8
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 consolidated assets of $223.72 billion.

We provide financial services for a wide range of consumer and commercial clients. This includes retail and mortgage banking, wealth
management, small and middle market banking, factoring and leasing. We provide commercial factoring, receivables management and secured financing services to businesses (generally manufacturers or importers of goods) that operate in various
industries, including apparel, textile, furniture, home furnishings and consumer electronics. We also provide deposit, cash management and lending to homeowner associations and property management companies. We also own a fleet of railcars and
locomotives that are leased to railroads and shippers.

We deliver banking products and services to our customers through an extensive
branch network and additionally operate a nationwide digital banking platform that delivers deposit products to consumers (the “Direct Bank”). Services offered at most branches include accepting deposits, cashing checks and providing for
consumer and commercial cash needs. Consumer and business customers may also conduct banking transactions through various digital channels.

In addition to our banking operations, we provide various investment products and services through First Citizens Bank’s wholly owned
subsidiaries, including First Citizens Investor Services, Inc. (“FCIS”) and First Citizens Asset Management, Inc. (“FCAM”), and a non-bank subsidiary First Citizens Capital Securities, LLC
(“FCCS”). As a registered broker-dealer, FCIS provides a full range of investment products, including annuities, brokerage services and third-party mutual funds. As registered investment advisers, FCIS and FCAM provide investment
management services and advice. FCCS is a broker-dealer that also provides underwriting and private placement services. We also have other wholly owned subsidiaries, including SVB Wealth LLC, SVB Asset Management, and First Citizens Institutional
Asset Management, LLC, which are active investment advisers.

BancShares’ Class A common stock is traded on the Nasdaq Global
Select Market under the symbol “FCNCA.” BancShares was incorporated under the laws of the State of Delaware in 1986. Our principal executive office is located at 4300 Six Forks Road, Raleigh, NC 27609, and our telephone number is (919) 716-7000.

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SUMMARY OF THE SENIOR NOTES OFFERING The following summary contains basic information about the senior 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 senior notes. For a complete understanding