Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 64

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 64
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 Deposit Insurance Corporation or any other governmental agency or instrumentality.

The date of this prospectus is August 14, 2024.

TABLE OF CONTENTS

| ABOUT THIS PROSPECTUS                             |     |  1 |
| RISK FACTORS                                      |     |  2 |
| THE COMPANY                                       |     |  3 |
| SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS |     |  4 |
| DESCRIPTION OF SECURITIES TO BE REGISTERED        |     |  5 |
| USE OF PROCEEDS                                   |     |  7 |
| LEGAL MATTERS                                     |     |  8 |
| EXPERTS                                           |     |  8 |
| WHERE YOU CAN FIND MORE INFORMATION               |     |  9 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE |     | 10 |

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ABOUT THIS PROSPECTUS

This prospectus is part of a shelf registration statement that we filed with the Securities and Exchange Commission (the “SEC”) as
a “well-known seasoned issuer” as defined in Rule 405 under the Securities Act of 1933, as amended (the “Securities Act”) using an automatic “shelf” registration process. Under this shelf registration process, we
are registering an unspecified amount of each class of the securities described in this prospectus, and we and/or one or more selling securityholders may from time to time offer and sell any combination of the securities described in this prospectus
in one or more offerings, denominated in U.S. dollars or the equivalent in foreign currencies, currency units, or composite currencies.

This prospectus provides you with a general description of the securities covered by it. Each time we sell securities, we will provide a
prospectus supplement and, if applicable, a pricing supplement containing specific information about the terms of those securities. In addition, if any selling securityholder sells securities under this prospectus, the prospectus supplement will
contain specific information about such selling securityholder. A prospectus supplement may also add, update, or change information contained in this prospectus and may include a discussion of any risk factors or other special considerations that
apply to those securities. You should read both this prospectus and any applicable prospectus supplement together with the additional information described below under the headings “Where You Can Find More Information” and
“Incorporation of Certain Information by Reference.” If the information in this prospectus is inconsistent with a prospectus supplement, you should