Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 412

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 412
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 in millionsAt September 30 2025, MaturingWithinOne YearOne to FiveYearsFive to 15YearsAfter 15 YearsTotalCommercialCommercial construction$1,394 $3,759 $730 $43 $5,926 Owner occupied commercial mortgage1,831 8,484 6,477 440 17,232 Non-owner occupied commercial mortgage3,223 9,750 1,892 780 15,645 Commercial and industrial11,106 24,283 4,781 1,002 41,172 Leases641 1,349 76 — 2,066 Global fund banking29,044 2,148 423 — 31,615 Investor dependent1,164 1,608 — — 2,772 Total commercial48,403 51,381 14,379 2,265 116,428 ConsumerResidential mortgage687 2,865 7,736 11,748 23,036 Revolving mortgage51 187 1,049 1,507 2,794 Consumer auto330 984 149 — 1,463 Consumer other323 565 144 5 1,037 Total consumer1,391 4,601 9,078 13,260 28,330 Total loans and leases$49,794 $55,982 $23,457 $15,525 $144,758 

99

As noted above, approximately 64% of our total loans have floating contractual reference rates, indexed primarily to SOFR and the U.S. prime rate. The following table provides information regarding fixed and variable interest rate loans and leases maturing one year or after, as of September 30, 2025:  

Table 48Fixed and Variable Interest Rate Loans

dollars in millionsLoans Maturing One Year or After withFixed Interest RatesVariable Interest RatesCommercialCommercial construction$1,403 $3,129 Owner occupied commercial mortgage13,484 1,917 Non-owner occupied commercial mortgage6,198 6,224 Commercial and industrial9,925 20,141 Leases1,419 6 Global fund banking1 2,570 Investor dependent5 1,603 Total commercial32,435 35,590 ConsumerResidential mortgage8,584 13,765 Re