Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 400

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 400
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 mix, or changes in the competition for business in the industries we serve. They also do not account for other business developments and other actions. Accordingly, we can give no assurance that actual results would not differ materially from the estimated outcomes of our simulations. 

Loan Maturity and Loan Interest Rate Sensitivity

The following table provides loan maturity distribution information:

Table 47

Loan Maturity Distribution

dollars in millionsAt June 30 2025, MaturingWithinOne YearOne to FiveYearsFive to 15YearsAfter 15 YearsTotalCommercialCommercial construction$1,430 $3,490 $748 $46 $5,714 Owner occupied commercial mortgage1,793 8,178 6,622 460 17,053 Non-owner occupied commercial mortgage3,310 9,942 2,045 803 16,100 Commercial and industrial10,409 24,645 4,566 1,038 40,658 Leases632 1,319 77 — 2,028 Global fund banking26,330 2,313 34 — 28,677 Investor dependent366 2,411 — — 2,777 Total commercial44,270 52,298 14,092 2,347 113,007 ConsumerResidential mortgage671 2,860 7,720 11,808 23,059 Revolving mortgage59 187 1,021 1,469 2,736 Consumer auto338 1,020 132 — 1,490 Consumer other290 556 122 9 977 Total consumer1,358 4,623 8,995 13,286 28,262 Total loans and leases$45,628 $56,921 $23,087 $15,633 $141,269 

As noted above, approximately 64% of our total loans have floating contractual reference rates, indexed primarily to SOFR and the U.S. prime rate. The following table provides information regarding fixed and variable interest rate loans and leases maturing one year or after, as of June 30, 2025:  

Table 48

Fixed and Variable Interest Rate Loans 

dollars in millionsLoans Maturing One Year or After withFixed Interest RatesVariable Interest RatesCommercialCommercial construction$1,385 $2,899 Owner occupied commercial mortgage13,352