Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 402

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 402
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5June 30, 2025December 31, 2024ALLL$1,652 $1,672 $1,676 Total loans and leases$144,758 $141,269 $140,221 ALLL to total loans and leases1.14 %1.18 %1.20 %Commercial loans and leases:ALLL - commercial$1,524 $1,512 $1,518 Commercial loans and leases$116,428 $113,007 $111,993 Commercial ALLL to commercial loans and leases1.31 %1.34 %1.35 %Consumer loans:ALLL - consumer$128 $160 $158 Consumer loans$28,330 $28,262 $28,228 Consumer ALLL to consumer loans0.45 %0.56 %0.56 %

The ALLL as a percentage of total loans and leases at September 30, 2025 was 1.14%, compared to 1.18% at June 30, 2025 and 1.20% at December 31, 2024. The trends in the ALLL are discussed above. 

93

Table 37ALLL by Loan Class

dollars in millionsSeptember 30, 2025June 30, 2025December 31, 2024ALLLALLL as a Percentage of LoansALLLALLL as a Percentage of LoansALLLALLL as a Percentage of LoansCommercialCommercial construction$75 1.27 %$67 1.17 %$53 1.03 %Owner occupied commercial mortgage52 0.30 53 0.31 51 0.30 Non-owner occupied commercial mortgage333 2.13 318 1.98 340 2.10 Commercial and industrial768 1.87 781 1.92 768 1.88 Leases34 1.65 36 1.75 36 1.80 Global fund banking61 0.19 80 0.28 75 0.27 Investor dependent201 7.24 177 6.37 195 6.10 Total commercial1,524 1.31 1,512 1.34 1,518 1.35 ConsumerResidential mortgage69 0.30