Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 20

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 2
Chunk 20
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 quarter was 3.16%, a decrease of 3 bps, from 3.19% for the linked quarter, primarily due to a lower rate paid on interest-bearing deposits, partially offset by the impact of a higher average balance of interest-bearing deposits.

Refer to the “Financial Performance Summary—Balance Sheet Highlights,” “Interest-earning Assets,” and “Interest-bearing Liabilities” sections of this MD&A for discussions of balance sheet trends that impact average interest-earning assets, average interest-bearing liabilities, and the related yields earned and rates paid.

(1) Refer to the “NII, NIM, and Interest and Fees on Loans, Excluding PAA” discussion in the “Non-GAAP Financial Measurements” section of this MD&A for further information.

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Table 6Average Balances, Yields and Rates, NII, and NIM (Current Quarter to Prior Year Quarter)

dollars in millionsAverage BalanceYield / RateInterest Income / ExpenseThree Months EndedIncrease (Decrease) from Prior Year QuarterThree Months EndedThree Months EndedIncrease (Decrease) due to:Sep 30, 2025Sep 30, 2024Sep 30, 2025Sep 30, 2024Increase (decrease) bpsSep 30, 2025Sep 30, 2024Increase (Decrease)Volume(1)Yield /Rate(1)Loans and leases (1) (2)$141,785 $137,602 $4,183 3 %6.44 %7.03 %(59)$2,300 $2,430 $(130)$75 $(205)Investment securities44,827 38,189 6,638 17 3.83 3.70 13430 354 76 64 12 Securities purchased under agreements to resell284 241 43 18 4.32 5.34 (102)3 4 (1)— (1)Interest-earning deposits at banks24,146 26,167 (2,021)(8)4.36 5.33 (97)265 350 (85)(25)(60)Total interest-earning assets (2)$211,042 $202,199 $8,843 4 5.64 6.18 (54)$2,998 $3,138 $(140)$114 $(254