Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 389

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 389
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223 million at September 30, 2025, $242 million at June 30, 2025, and $219 million at December 31, 2024.

Interest-bearing Liabilities

Interest-bearing liabilities include interest-bearing deposits, securities sold under agreements to repurchase, and borrowings. Interest-bearing liabilities at September 30, 2025 totaled $159.11 billion, an increase of $5.47 billion or 4% from $153.65 billion at December 31, 2024. The increase from December 31, 2024 was mainly due to deposit growth, as well as the 2025 Debt Issuances, partially offset by the Linked Quarter Debt Redemption as further discussed below. 

85

Deposits

Total deposits at September 30, 2025 were $163.19 billion, an increase of $7.96 billion or 5% from $155.23 billion at December 31, 2024. 

Deposit changes within our business segments compared to December 31, 2024 are discussed in the “Executive Overview—Funding, Liquidity and Capital Overview” section of this MD&A and changes from the linked quarter are discussed in the “Results by Segment” section of this MD&A. 

The following table summarizes the types of deposits:

Table 27Deposits 

dollars in millionsIncrease (Decrease) from:September 30, 2025June 30, 2025December 31, 2024June 30, 2025December 31, 2024Noninterest-bearing demand$42,752 $40,879 $38,633 $1,873 5 %$4,119 11 %Checking with interest23,731 23,283 25,343 448 2 (1,612)(6)Money market38,718 37,654 35,722 1,064 3 2,996 8 Savings46,915 46,877 42,278 38 — 4,637 11 Time11,074 11,242 13,253 (168)(2)(2,179)(16)Interest-bearing deposits120,438 119,056 116,596 1,382 1 3,842 3 Total deposits$163,190 $159,935 $155,229