Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 74

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 74
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 day after the date on which the depositary shares are priced, purchasers who wish to trade the depositary shares at any time prior to the first business day before delivery will be required, by virtue of the fact
that the depositary shares initially will settle T+3, to specify an alternate settlement cycle at the time of any such trade to prevent a failed settlement. Purchasers of the depositary shares who wish to trade the depositary shares on the date of
pricing of the depositary shares should also consult their own adviser.

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 regarding a FINRA member firm’s participation in the distribution of securities of an affiliate. In accordance with that rule, First Citizens Capital Securities, LLC is not
permitted to sell the depositary shares 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.

Our affiliates, including First Citizens Capital Securities, LLC, may use this prospectus supplement and the accompanying prospectus in
connection with offers and sales of the depositary shares in the secondary market. These affiliates may act as principal or agent in those transactions. Secondary market sales will be made at prices related to market prices at the time of sale.

Selling Restrictions

European Economic Area

This prospectus supplement and the accompanying prospectus have been prepared on the basis that any offer of depositary shares in
any Member State of the European Economic Area (the “EEA”) (each, a “Relevant Member State”) will be made under an exemption under Regulation (EU) No. 2017/1129 (as amended, the “EU Prospectus Regulation”)
from the requirement to publish a prospectus for offers of the depositary shares. Accordingly any person making or intending to make an offer in that Relevant Member State of depositary shares which are the subject of the offering contemplated in
this prospectus supplement and the accompanying

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prospectus may only do so in circumstances in which no obligation arises for us or any of the underwriters to publish a prospectus pursuant to Article 3 of the EU Prospectus Regulation or supplement a prospectus pursuant to Article 23 of the EU Prospectus Regulation, in each case in relation to such offer. Neither BancShares nor the underwriters have authorized, nor do they authorize, the