Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 11

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 11
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acy rules of the Federal Reserve. |

| For more information, see “Description of Notes—Redemption.” |

| Sinking Fund | There will be no sinking fund for the Notes. |

| Future Issuance | The Notes will initially be limited to an aggregate principal amount of $600,000,000. BancShares may, from time to time, without notice to or consent of the holders of the Notes, increase the aggregate principal amount of the Notes               
 outstanding by issuing additional subordinated notes in the future with the same terms as the Notes, except for the issue date, the offering price, and the first Interest Payment Date, and such additional notes may be consolidated with the Notes 
 issued in this offering and form a single series; provided that, if any such additional subordinated notes are not fungible with the Notes for U.S. federal income tax purposes, such additional subordinated notes will have a separate CUSIP or     
 other identifying number.                                                                                                                                                                                                                             |

| Use of Proceeds | We estimate that the net proceeds from this offering of the Notes will be approximately $597,000,000, after deducting the underwriting discounts and our estimated offering expenses. We intend to use the net proceeds of this offering of the Notes 
 for general corporate purposes. See “Use of Proceeds.”                                                                                                                                                                                                |

| Events of Default | Certain events of bankruptcy, insolvency or receivership relating to us will be events of default with respect to the Notes. |

| If an event of default has occurred, the principal of and accrued but unpaid interest on the Notes will automatically, and without any declaration or other action on the part of the Trustee or any holder of Notes, 
 become immediately due and payable.                                                                                                                                                                                   |

| A default in the payment of principal of or interest on the Notes or in our performance of any other obligation under the Notes or the Subordinated Indenture will not constitute an event of default under the 
 Subordinated Indenture and will not give rise to any right of acceleration.                                                                                                                                     |

| See “Description of Notes—Events of Default; Notices of Default” in this prospectus supplement. |

| Listing | The Notes will not be listed on any securities exchange or quoted on any quotation system. Currently, there is no market for the Notes, and there is no assurance that any public market for the Notes will develop or be sustained following this 
 offering.                                                                                                                                                                                                                                          |

S-4

| U.S. Federal Income Tax Considerations | For a discussion of material U.S.