Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 2

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 2
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 securities to be issued under this prospectus supplement or the accompanying prospectus or determined the adequacy or accuracy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense. The underwriters expect to deliver the Notes in book-entry form only through the facilities of The Depository Trust Company for the accounts of its participants, including Clearstream Banking S.A. (“Clearstream”) and Euroclear Bank SA/NV (“Euroclear”), as operator of the Euroclear System, against payment in New York, New York on or about , 2025, which is the third business day following the date of this prospectus supplement. Pursuant to Rule 15c6-1under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), trades in the secondary market generally are required to settle in one business day unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers of the Notes who wish to trade the Notes prior to the first business day preceding the settlement date will be required, by virtue of the fact that the Notes initially will settle in T+3, to specify an alternative settlement cycle at the time of any such trade to prevent failed settlement and should consult their own advisors. Joint Book-Running Managers

| BofA Securities |     | Morgan Stanley |

Prospectus Supplement dated , 2025

TABLE OF CONTENTS PROSPECTUS SUPPLEMENT

|                                                          |     | Page |       |
| ABOUT THIS PROSPECTUS SUPPLEMENT                         |     |      | S-ii  |
| WHERE YOU CAN FIND MORE INFORMATION                      |     |      | S-iii |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE        |     |      | S-iv  |
| SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS        |     |      | S-v   |
| PROSPECTUS SUPPLEMENT SUMMARY                            |     |      | S-1   |
| SUMMARY OF THE NOTES OFFERING                            |     |      | S-2   |
| RISK FACTORS                                             |     |      | S-6   |
| CAPITALIZATION                                           |     |      | S-11  |
| USE OF PROCEEDS                                          |     |      | S-12  |
| DESCRIPTION OF NOTES                                     |     |      | S-13  |
| MATERIAL UNITED STATES FEDERAL INCOME TAX CONSIDERATIONS |     |      | S-27  |
| CERTAIN ERISA CONSIDERATIONS