Company: FCNCB
Filing Date: 2025-11-14
Form Type: 424B5
Source: 0001193125-25-283229
Chunk: 4

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-14
Form: 424B5
Chunk 4
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| CERTAIN U.S. FEDERAL INCOME TAX CONSIDERATIONS    |     |      | S-38  |
| CERTAIN ERISA CONSIDERATIONS                      |     |      | S-43  |
| UNDERWRITING (CONFLICTS OF INTEREST)              |     |      | S-45  |
| VALIDITY OF THE SECURITIES                        |     |      | S-54  |
| EXPERTS                                           |     |      | S-55  |

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 INFOMRATION               |     |      |  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 depositary shares 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 depositary