Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 16

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 16
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 from its subsidiaries to meet its obligations, which will include funding payments on the Notes, and to provide funds for payment of dividends to its stockholders, to the
extent declared by its Board of Directors. There are various legal limitations applicable to the payment of dividends by First Citizens Bank to BancShares. The

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payment of dividends by First Citizens Bank may be limited by certain factors, such as requirements to maintain capital above regulatory guidelines. Bank regulatory agencies have the authority to
prohibit First Citizens Bank from engaging in an unsafe or unsound practice in conducting their business. The payment of dividends, depending on the financial condition of First Citizens Bank, could be deemed to constitute such an unsafe or unsound
practice. Under the Federal Deposit Insurance Act, insured depository institutions, such as First Citizens Bank, are prohibited from making capital distributions, including the payment of dividends, if, after making such distributions, the
institution would become “undercapitalized” (as such term is used in the statute). Additionally, banking organizations that are not considered “well capitalized” under the Basel III capital rules could be subject to
restrictions on dividends, equity repurchases and compensation based on the amount of the shortfall. State law also prescribes certain limitations on payment of dividends. See the information under “Regulatory Considerations—Limitations
on Dividends and Other Payments” in “Item 1. Business” in BancShares’ Annual Report on Form 10-K for the year ended December 31, 2024. For these reasons, BancShares may not have
access to any assets or cash flow of its subsidiaries to make principal or interest payments on the Notes.

We may not be able to generate sufficient cash to service all of our debt, including the Notes.

BancShares’ ability to make scheduled payments of principal
and interest, or to satisfy its obligations in respect of its debt or to refinance its debt, will depend on the future performance of our operating subsidiaries. Prevailing economic conditions (including interest rates), regulatory constraints,
including, without limitation, limiting distributions to BancShares from First Citizens Bank and required capital levels with respect to First Citizens Bank and financial, business, and other factors, many of which are beyond our control, will also
affect our ability to meet these needs. BancShares’ subsidiaries may not be able to generate sufficient cash flows from operations, or we may be unable to obtain future borrowings in an amount sufficient to enable us to pay our debt, or to
fund our other liquidity