Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 231

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 1
Chunk 231
---
,294 5.6 6,185 5.5 Total$113,007 100.0 %$113,211 100.0 %$111,993 100.0 %

The following table provides a summary of commercial loans by size and class. The breakout below is based on total client balances (individually or in the aggregate) as of June 30, 2025:

Table 43

Commercial Loans by Size and Class

dollars in millionsLess Than $10 Million$10 to < $30 Million> $30 MillionTotal Commercial LoansCommercial construction$1,256 $1,494 $2,964 $5,714 Owner occupied commercial mortgage14,466 1,957 630 17,053 Non-owner occupied commercial mortgage6,543 4,975 4,582 16,100 Commercial and industrial15,226 12,297 13,135 40,658 Leases1,651 295 82 2,028 Global fund banking2,241 4,847 21,589 28,677 Investor dependent1,761 754 262 2,777 Total$43,144 $26,619 $43,244 $113,007 

94

Consumer Loan Concentrations

Loan concentrations may exist when multiple borrowers could be similarly impacted by economic or other conditions. The following table summarizes state concentrations greater than 5.0% based on customer address:

Table 44

Consumer Loans - Geography

dollars in millionsJune 30, 2025March 31, 2025December 31, 2024StateCalifornia$8,335 29.5 %$8,450 30.0 %$8,655 30.7 %North Carolina7,067 25.0 6,965 24.7 6,923 24.5 South Carolina3,660 12.9 3,618 12.9 3,607 12.8 Massachusetts1,644 5.8 1,678 6.0 1,692 6.0 Other states7,556 26.8 7,436 26.4 7,351 26.0 Total $28,262 100.0 %$28,147 100.0 %$28,228 100