Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 3

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 3
---
 TAX CONSIDERATIONS |     |      | S-27  |
| CERTAIN ERISA CONSIDERATIONS                             |     |      | S-32  |
| UNDERWRITING (CONFLICTS OF INTEREST)                     |     |      | S-34  |
| LEGAL MATTERS                                            |     |      | S-39  |
| EXPERTS                                                  |     |      | S-40  |

PROSPECTUS

|                                                   |     | Page |    |
| ABOUT THIS PROSPECTUS                             |     |      |  1 |
| RISK FACTORS                                      |     |      |  2 |
| THE COMPANY                                       |     |      |  3 |
| SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS |     |      |  4 |
| DESCRIPTION OF SECURITIES TO BE REGISTERED        |     |      |  5 |
| USE OF PROCEEDS                                   |     |      |  7 |
| LEGAL MATTERS                                     |     |      |  8 |
| EXPERTS                                           |     |      |  8 |
| WHERE YOU CAN FIND MORE INFORMATION               |     |      |  9 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE |     |      | 10 |

S-i

ABOUT THIS PROSPECTUS SUPPLEMENT

Unless the context indicates otherwise, the terms “we,” “our,” “us,” “ourselves,” and
“the Company” in this prospectus supplement and the accompanying prospectus refer to First Citizens BancShares, Inc., a Delaware corporation, and its consolidated subsidiaries. References to “BancShares” mean First Citizens
BancShares, Inc., and references to “First Citizens Bank” mean First-Citizens Bank & Trust Company. References to a particular year mean our fiscal year commencing on January 1 and ending on December 31 of that year.

This document contains two parts. The first part is this prospectus supplement, which contains specific information about us and the
terms on which we are selling the Notes and adds to and updates information contained in the accompanying prospectus and the documents incorporated by reference herein. The second part is the accompanying prospectus dated August 14, 2024, which
contains a more general description of the securities we may offer from time to time, some of which does not apply to the Notes we are offering, and important business and financial information about us. If information contained in this