Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 125

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 125
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$— $24 0.15 %Non-owner occupied commercial mortgage30 6 — — — 36 0.22 Commercial and industrial140 — — 3 1 144 0.36 Investor dependent6 34 — — 8 48 1.37 Total commercial191 41 — 11 9 252 0.23 ConsumerResidential mortgage1 — — 1 — 2 0.01 Revolving mortgage1 — — — — 1 0.05 Total consumer2 — — 1 — 3 0.01 Total loans and leases$193 $41 $— $12 $9 $255 0.18 %(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended.

26

Financial Effects of Loan Modifications made during the three months ended September 30, 2025dollars in millionsWeighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)CommercialCommercial construction8 — %7 Owner occupied commercial mortgage13 — 6 Non-owner occupied commercial mortgage9 0.52 36 Commercial and industrial15 1.05 12 Leases60 — — Investor dependent11 — 6 Total commercial13 0.65 11 ConsumerResidential mortgage21 1.52 8 Revolving mortgage58 4.36 — Consumer auto18 — — Consumer other60 11.41 — Total consumer24 3.01 8 Total loans and leases13 0.71 %11 Financial Effects of Loan Modifications made during the three months ended September 30, 2024 dollars in millionsWeighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)CommercialCommercial construction36 0.60 %— Owner occupied commercial mortgage17 1.82 6 Non-owner occupied commercial mortgage7 — 6 Commercial and industrial15 2.61 6 Leases11 — — Investor dependent9 — 6 Total commercial14 2.03 6 ConsumerResidential mortgage47 2.