Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 3

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 3
---
 shares are ineligible as collateral for a loan or extension of credit from First Citizens BancShares, Inc. or any of its subsidiaries. Neither the SEC, the Federal Reserve, the FDIC, the North Carolina Office of the Commissioner of Banks, nor any state securities commission or any other bank regulatory agency has approved or disapproved of the securities to be issued under this prospectus supplement or the accompanying prospectus or determined the adequacy or accuracy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense. The underwriters expect to deliver the depositary shares in book-entry form only through the facilities of The Depository Trust Company for the accounts of its participants, including Clearstream Banking, société anonyme(“Clearstream”), and Euroclear Bank S.A./N.V. (“Euroclear”), as operator of the Euroclear System, against payment in New York, New York on or about November 18, 2025. Joint Book-Running Managers

| J.P. Morgan |     | BofA Securities |     | Citigroup |     | Morgan Stanley |

Co-Managers

| First Citizens Capital Securities |     | TD Securities |

Prospectus Supplement dated November 13, 2025

TABLE OF CONTENTS PROSPECTUS SUPPLEMENT

|                                                   |     | Page |       |
| ABOUT THIS PROSPECTUS SUPPLEMENT                  |     |      | S-ii  |
| WHERE YOU CAN FIND MORE INFORMATION               |     |      | S-iii |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE |     |      | S-iii |
| SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS |     |      | S-iv  |
| PROSPECTUS SUPPLEMENT SUMMARY                     |     |      | S-1   |
| SUMMARY OF THE OFFERING                           |     |      | S-3   |
| RISK FACTORS                                      |     |      | S-7   |
| CAPITALIZATION                                    |     |      | S-13  |
| USE OF PROCEEDS                                   |     |      | S-14  |
| DESCRIPTION OF THE SERIES D PREFERRED STOCK       |     |      | S-15  |
| DESCRIPTION OF THE DEPOSITARY SHARES              |     |      | S-24  |
| DESCRIPTION OF BANCSHARES’ CAPITAL STOCK          |     |      | S-26  |
| BOOK-ENTRY ISSUANCE                               |     |      | S-35  |