Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 19

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 19
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 one or more of the underwriters currently intend to make a secondary market in the Notes, they are not obligated to do so and may discontinue any market-making activities at any time without notice.
Accordingly, a trading market for the Notes may not develop or any such market may not have sufficient liquidity.

If a trading market for the Notes develops, many factors could adversely affect the liquidity and market price of the Notes.

If a trading market develops, the
liquidity and price of the Notes will depend on many factors, including, but not limited to, (i) our credit ratings with major credit rating agencies; (ii) the prevailing interest rates being paid by other companies similar to us;
(iii) our financial condition, financial performance and future prospects; (iv) the overall condition of the financial markets; (v) any redemption features of the Notes; and (vi) the time remaining to maturity of the Notes.

The condition of the financial markets and prevailing interest rates have fluctuated significantly in the past and may fluctuate in the
future. Such fluctuations could have an adverse effect on the liquidity and price of the Notes. In addition, credit rating agencies periodically review their ratings and ratings methodologies for the companies that they follow, including us and
First Citizens Bank. A negative change in ratings or outlook could have an adverse effect on the liquidity and price of the Notes. A credit rating is not a recommendation to buy, sell or hold securities and may be revised, suspended or withdrawn by
the credit rating agency at any time.

S-9

We may choose to redeem the Notes prior to the Maturity Date, but investors should not expect us to redeem the Notes on the date the Notes become redeemable or on any particular date after the Notes become redeemable.

The Notes
have no mandatory redemption date, other than on the maturity date, and are not redeemable at the option of investors. By their terms, the Notes may be redeemed by us, at our option, as described below under “Description of
Notes—Redemption.” Any decision we may make at any time to propose a redemption will depend upon, among other things, our evaluation of our capital position, the composition of our stockholders’ equity and general market conditions
at that time. Furthermore, depending on prevailing interest rates at the time of any such redemption, you may not be able to reinvest the redemption proceeds in a comparable security (including with comparable ratings) at an interest rate as high as
the interest rate of the Notes being redeemed or at