Company: FCNCB
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001193125-25-193496
Chunk: 11

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-02
Form: 424B5
Chunk 11
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 in part, on the Reset Date and (ii) in whole at any time or in part from time to time on or after    , 20 (three months prior to the                              
 Maturity Date), in each case, at a redemption price equal to 100% of the principal amount of the Notes being redeemed, plus any accrued and unpaid interest thereon to (but excluding) the redemption date. See “Description of 
 Notes—Redemption.”                                                                                                                                                                                                              |

| We may also redeem the Notes in whole, but not in part, at any time prior the Maturity Date, including prior                                                
 to    , 20 , if (i) a change or prospective change in law occurs that could prevent us from deducting interest payable on the Notes for U.S. federal income |

S-3

| tax purposes, (ii) a subsequent event occurs that could preclude the Notes from being recognized as Tier 2 Capital for regulatory capital purposes, or (iii) BancShares is required to                                              
 register as an investment company under the Investment Company Act of 1940, as amended (the “Investment Company Act”), in each case, at a redemption price equal to 100% of the principal amount of the Notes, plus any accrued and 
 unpaid interest to (but excluding) the redemption date.                                                                                                                                                                             |

| Any redemption is subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the capital adequacy 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 $   . 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