Company: FCNCB
Filing Date: 2025-03-07
Form Type: 424B5
Source: 0001193125-25-049895
Chunk: 7

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-03-07
Form: 424B5
Chunk 7
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 transactions. The foregoing list of factors is not exhaustive. Additional factors that could cause results to differ materially from those described above can be found in BancShares’ Annual Report on Form 10-K for the year ended December 31, 2024, as filed with the SEC.

We assume no obligation to
update any forward-looking statements. All forward-looking statements speak only as of the date they are made and are based on information available at that time. We do not assume any obligation to update forward-looking statements to reflect
circumstances or events that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by applicable federal securities laws. As forward-looking statements involve
significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. You are encouraged to carefully review and consider the various disclosures made in this prospectus supplement, in the accompanying
prospectus and in BancShares’ other reports filed with the SEC for more information about the risks and factors that may affect our business, results of operations, financial condition or prospects.

S-iv

PROSPECTUS SUPPLEMENT SUMMARY

This summary highlights selected information contained or incorporated by reference in this prospectus supplement and the accompanying prospectus and does not contain all the information that you need to consider in making your investment decision. You should carefully read this entire prospectus supplement, the accompanying prospectus, any related free writing prospectus and the documents incorporated herein and therein by reference, before deciding whether to invest in the notes. You should pay special attention to the “Risk Factors” section of this prospectus supplement and the risk factors contained in our Annual Report on Form 10-Kfor the year ended December 31, 2024 to determine whether an investment in the notes is appropriate for you.

First Citizens BancShares, Inc.

First Citizens BancShares, Inc. is a financial holding company for Raleigh, North Carolina-headquartered First-Citizens Bank & Trust
Company. First Citizens Bank opened in 1898 as the Bank of Smithfield in Smithfield, North Carolina, and later changed its name to First-Citizens Bank & Trust Company. We have expanded throughde novo branching and
acquisitions and now operate a network of more than 500 branches and offices in 29 states, predominantly located in the Southeast, Mid-Atlantic, Midwest, and Western United States, providing a broad range of
financial services to individuals, businesses and professionals. At December 31, 2024, the Company had total