Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 21

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 21
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 our assets to one or more of our majority-owned subsidiaries.

If we sell or convey all or substantially all of our assets to one or more of our direct or indirect majority-owned subsidiaries, under the
Subordinated Indenture, such subsidiary or subsidiaries will not be required to assume our obligations under the Notes, and we will remain the sole obligor on the Notes. In such event, creditors of any such subsidiary or subsidiaries would have
additional assets from which to recover on their claims while holders of the Notes would be structurally subordinated to creditors of such subsidiary or subsidiaries with respect to such assets. See “Description of Notes—Consolidation,
Merger and Sale of Assets” in this prospectus supplement.

S-10

CAPITALIZATION The following table sets forth our consolidated cash and due from banks and consolidated capitalization as of June 30, 2025, on an actual basis and on an adjusted basis giving effect to the issuance and sale of the Notes offered by this prospectus supplement and the use of the net proceeds from the sale of the Notes as described under “Use of Proceeds” in this prospectus supplement, after deducting the underwriting discounts and our estimated offering fees and expenses. You should read the following table together with “Use of Proceeds” in this prospectus supplement and “Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations” and our consolidated financial statements and notes thereto included in our Annual Report on Form 10-Kfor the year ended December 31, 2024 and Quarterly Report on Form 10-Qfor the period ended June 30, 2025, each of which is incorporated by reference in this prospectus supplement and the accompanying prospectus.

|                                                                                       | (dollar amounts in millions, except share data) |   | June 30, 
     2025 
 (actual) |   |     |   |   June 30, 
       2025 
 (adjusted) |   |
|:--------------------------------------------------------------------------------------|:------------------------------------------------|:--|---------:|:--|:----|:--|-----------:|:--|
| Cash and due from banks                                                               |                                                 | $ |      889 |   |     | $ |            |   |
| Liabilities                                                                           |                                                 |   |          |   |     |   |            |   |
| Deposits                                                                              |                                                 | $ |  159,935 |   |     | $ |    159,935 |   |
|