Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 12

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 12
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 federal income tax considerations of purchasing, owning, and disposing of the Notes, see “Material United States Federal Income Tax Considerations.” |

| Governing Law | The Notes and the Subordinated Indenture pursuant to which we will issue the Notes will be governed by the laws of the State of New York. |

| Trustee | U.S. Bank Trust Company, National Association |

| Calculation Agent | U.S. Bank Trust Company, National Association |

| Risk Factors | Investing in the Notes involves risks. Potential investors are urged to read and consider the risk factors relating to an investment in the Notes set forth under “Risk Factors” beginning on        
 page S-6 of this prospectus supplement, as well as the risk factors and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus, for a 
 discussion of factors that you should carefully consider before deciding whether to invest in the Notes.                                                                                             |

| Conflicts of Interest | First Citizens Capital Securities, LLC, our subsidiary, is participating in this offering as an underwriter. Accordingly, this offering is being conducted in compliance with the provisions of FINRA Rule 5121. In accordance with that rule, First 
 Citizens Capital Securities, LLC is not permitted to sell the Notes in this offering to an account over which it exercises discretionary authority without the prior specific written approval of the customer to which the account relates. See     
 “Underwriting (Conflicts of Interest)—Conflicts of Interest.”                                                                                                                                                                                        |

S-5

RISK FACTORS

An investment in the Notes involves certain risks. You should carefully consider the risks described below and the risk factors included in our Annual Report on Form 10-Kfor the year ended December 31, 2024, as updated by our Quarterly Reports on Form 10-Qfor subsequent periods, as well as the other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus, before making an investment decision. Our business, financial condition, results of operations, or prospects could be materially adversely affected by any of these risks. This prospectus supplement also contains forward-looking statements that involve risks and uncertainties. Our actual results could differ materially from those anticipated in any forward-looking statements as a result of certain factors, including the risks faced by us described below and elsewhere in this prospectus supplement and the accompanying prospectus.

The Notes are BancShares’ obligations, not obligations of any of BancShares’ subsidiaries, and as such will be structurally subordinated to the claims of its subsidiaries’ creditors.

The