Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 6

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 6
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,” “targets,” “designed,” “could,”
“may,” “should,” “will,” “potential,” “continue,” “aims,” “strives” and other similar words and expressions, including the negatives of these terms, are intended to
identify these forward-looking statements. These forward-looking statements are based on our current expectations and assumptions regarding our business, the economy and other future conditions. These forward-looking statements are intended to be
subject to the safe harbor provided by Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), Section 21E of the Exchange Act, and the Private Securities Litigation Reform Act of 1995.

Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in
circumstances and other factors that are difficult to predict. Many possible events or factors could affect our future financial results and performance and could cause our actual results, performance or achievements to differ materially from any
anticipated results expressed or implied by such forward-looking statements. Such risks and uncertainties include, among others, general competitive, economic (including the imposition of tariffs or trade barriers on trading partners), political
(including the makeup of the U.S. Congress and Trump administration), geopolitical (including conflicts in Ukraine and the Middle East), natural disasters and market conditions, including changes in competitive pressures among financial institutions
and the impacts related to or resulting from previous bank failures, the risks and impacts of future bank failures and other volatility in the banking industry, public perceptions of our business practices, including our deposit pricing and
acquisition activity, the financial success or changing conditions or strategies of our vendors or customers, including changes in demand for deposits, loans and other financial services, fluctuations in interest rates, changes in the quality or
composition of our loan or investment portfolio, actions of government regulators, including interest rate decisions by the Federal Reserve, changes to estimates of future costs and benefits of actions taken by us, our ability to maintain adequate
sources of funding and liquidity, the potential impact of decisions by the Federal Reserve on our capital plans, adverse developments with respect to U.S. or global economic conditions, including significant turbulence in the capital or financial
markets, the impact of any sustained or elevated inflationary environment, the impact of any cyberattack, information or security breach, the impact of implementation and compliance with current or proposed laws (including the One Big Beautiful Bill
Act), regulations and regulatory interpretations, including potential increased regulatory requirements, limitations, and costs