Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 109

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 1
Chunk 109
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ortized discount on acquired loansNon-PCD$1,399$1,504PCD5194 Total net unamortized discount$1,450$1,598

16

The aging and nonaccrual status of the outstanding loans and leases by class at June 30, 2025 and December 31, 2024 are provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement.Loans and Leases - Delinquency and Nonaccrual Status (1) (2)dollars in millionsJune 30, 2025Accruing Loans30-59 DaysPast Due60-89 DaysPast Due90 Days orGreaterTotalPast DueCurrentTotal AccruingNonaccrual LoansTotalCommercialCommercial construction$24 $— $25 $49 $5,644 $5,693 $21 $5,714 Owner occupied commercial mortgage50 36 8 94 16,867 16,961 92 17,053 Non-owner occupied commercial mortgage4 58 88 150 15,615 15,765 335 16,100 Commercial and industrial105 74 10 189 39,907 40,096 562 40,658 Leases22 7 — 29 1,971 2,000 28 2,028 Global fund banking— — — — 28,677 28,677 — 28,677 Investor dependent2 2 — 4 2,704 2,708 69 2,777 Total commercial207 177 131 515 111,385 111,900 1,107 113,007 ConsumerResidential mortgage141 29 5 175 22,713 22,888 171 23,059 Revolving mortgage14 2 — 16 2,688 2,704 32 2,736 Consumer auto9 2 — 11 1,471 1,482 8 1,490 Consumer other6 3 2 11 965 976 1 977 Total consumer170 36 7 213 27,837 28,050 212 28,