Company: FCNCB
Filing Date: 2025-03-06
Form Type: 424B5
Source: 0001193125-25-047965
Chunk: 110

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-06
Form: 424B5
Chunk 110
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 any state securities commission or any other bank regulatory agency has approved or disapproved of the securities to be issued under this prospectus or determined the adequacy or accuracy of this prospectus or any accompanying prospectus supplement. Any representation to the contrary is a criminal offense.

The securities are not savings accounts, deposits, or obligations of any of our bank and non-banksubsidiaries and are not insured or guaranteed by the Federal 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