Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 54

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 54
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 of Notes |             |
|:---------------------------------------|:----|:--------------------------|------------:|
| BofA Securities, Inc.                  |     | $                         | 262,500,000 |
| Morgan Stanley & Co. LLC               |     | $                         | 262,500,000 |
| First Citizens Capital Securities, LLC |     | $                         |  60,000,000 |
| Raymond James & Associates, Inc.       |     | $                         |  15,000,000 |
| Total                                  |     | $                         | 600,000,000 |

The underwriting agreement provides that the underwriters are obligated to purchase all of the Notes sold under the underwriting agreement if any of the Notes are purchased. If an underwriter defaults, the underwriting agreement provides that the purchase commitments of the non-defaultingunderwriters may be increased or the underwriting agreement may be terminated. We have agreed to indemnify the several underwriters and their controlling persons against certain liabilities in connection with this offering, including liabilities under the Securities Act, or to contribute to payments the underwriters may be required to make in respect of those liabilities. The underwriters are offering the Notes, subject to prior sale, when, as and if issued to and accepted by them, subject to approval of legal matters by their counsel, including the validity of the Notes, and other conditions contained in the underwriting agreement, such as the receipt by the underwriters of officer’s certificates and legal opinions. The underwriters reserve the right to withdraw, cancel or modify offers to the public and to reject orders in whole or in part. The underwriters expect to deliver the Notes in book-entry form only through the facilities of DTC for the accounts of its participants, including Clearstream and Euroclear, as operator of the Euroclear System, against payment in New York, New York on or about September 5, 2025, which is the third business day following the date of the pricing of the Notes (such settlement cycle being referred to as “T+3”). Under Rule 15c6-1promulgated under the Exchange Act, trades in the secondary market generally are required to settle in one business day unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade notes prior to the day before the settlement date will be required, by virtue of the fact that the Notes initially will settle in T+3, to specify alternative settlement arrangements to prevent a failed settlement. Such purchasers should consult their own