Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 129

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 129
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— 1 91 Total commercial831 8 2 94 935 ConsumerResidential mortgage35 3 3 6 47 Revolving mortgage7 — — — 7 Total consumer42 3 3 6 54 Total loans and leases$873 $11 $5 $100 $989 Modified Loans Payment Status (twelve months ended September 30, 2024) dollars in millionsCurrent30–59 Days Past Due60–89 Days Past Due90 Days or Greater Past DueTotalCommercialCommercial construction$3 $— $— $— $3 Owner occupied commercial mortgage50 — 9 2 61 Non-owner occupied commercial mortgage156 1 — 16 173 Commercial and industrial346 1 — 2 349 Investor dependent127 — — 1 128 Total commercial682 2 9 21 714 ConsumerResidential mortgage9 1 2 4 16 Revolving mortgage6 — — — 6 Total consumer15 1 2 4 22 Total loans and leases$697 $3 $11 $25 $736 At September 30, 2025, there were $17 million of commitments to lend additional funds to debtors experiencing financial difficulty for which the terms of the loan were modified during the nine months ended September 30, 2025. At December 31, 2024, there were $55 million of commitments to lend additional funds to debtors experiencing financial difficulty for which the terms of the loan were modified during the year ended December 31, 2024.

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Loans Pledged The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the Federal Reserve Bank (“FRB”) and FDIC. Loans Pledged dollars in millionsSeptember 30, 2025December 31, 2024FHLB of AtlantaLendable collateral value of pledged non-PCD loans$19,472 $17,873 Less: advances— — Less: letters of credit1,450 1,450 Available borrowing capacity$18,022 $16,423 Pledged non-PCD loans$31,945 $30,421 FRBLendable collateral value of pledged non-PCD loans$13,328 $5