Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 56

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 56
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Similar to other purchase transactions, the underwriters’ purchases to
cover the syndicate short sales may have the effect of raising or maintaining the market price of the Notes or preventing or retarding a decline in the market price of the Notes. As a result, the price of the Notes may be higher than the price that
might otherwise exist in the open market. These transactions may be effected in the over-the-counter market or otherwise.

Neither we nor any of the underwriters make any representation or prediction as to the direction or magnitude of any effect that the
transactions described above may have on the price of the Notes. In addition, neither we nor any of the underwriters make any representation that the representatives will engage in these transactions or that these transactions, once commenced, will
not be discontinued without notice.

In connection with the offering of the Notes, the person (if any) named as the stabilizing manager(s)
(or persons acting on their behalf) may over-allot Notes or effect transactions with a view to supporting the market price of the Notes during the stabilization period at a level higher than that which might otherwise prevail. However, stabilization
may not necessarily occur. Any stabilization action may begin on or after the date of adequate public disclosure of the terms of the offer of the relevant Notes is made and, if begun, may be ended at any time, but it must end no later than 30 days
after the date on which the issuer received the proceeds of the issue or no later than 60 days after the date of allotment of the relevant Notes, whichever is the earlier. Any stabilization action or over allotment must be conducted by the relevant
stabilizing manager(s) (or persons acting on their behalf) in accordance with all applicable laws and rules and will be undertaken at the offices of the relevant stabilizing manager(s) (or persons acting on their behalf).

Conflicts of Interest

First Citizens
Capital Securities, LLC, our subsidiary, is participating in this offering as an underwriter. Accordingly, this offering is being conducted in compliance with the provisions of FINRA Rule 5121 regarding a FINRA member firm’s participation in
the distribution of securities of an affiliate. In accordance with that rule, First Citizens Capital Securities, LLC is not permitted to sell the Notes in this offering to an account over which it exercises discretionary authority without the prior
specific written approval of the customer to which the account relates.

S-35

Our affiliates, including First Citizens Capital Securities, LLC, may use this prospectus
supplement