Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 74

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 74
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 in the applicable reports, information furnished under Item 2.02 or 7.01 of our Current Reports on Form 8-Kis not incorporated by reference. You can obtain any of the documents incorporated by reference in this document through us, or from the SEC through the SEC’s web site at www.sec.gov. We will provide, upon written or oral request as described below, each person, including any beneficial owner, to whom a prospectus is delivered, a copy of any or all of the information that has been incorporated by reference in this prospectus but not delivered with this prospectus excluding any exhibits to those documents, unless the exhibit is specifically incorporated by reference in those documents. That information is available from us without charge. You can obtain documents incorporated by reference in this prospectus by requesting them in writing or by telephone from us at the following address: First Citizens BancShares, Inc. 4300 Six Forks Road Raleigh, North Carolina 27609 (919) 716-7000 Attn: Corporate Secretary 10

$ % Fixed Rate Reset Subordinated Notes due 20 PROSPECTUS SUPPLEMENT Joint Book-Running Managers

| BofA Securities |     | Morgan Stanley |

, 2025