Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 21

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 21
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 |     | $ |    207,954 |   |
| Stockholders’ equity                                                                  |                                                 |   |          |   |     |   |            |   |
| Preferred stock—$0.01 par value (20,000,000 authorized at June 30, 2025)              |                                                 |   |      881 |   |     |   |        881 |   |
| Common stock:                                                                         |                                                 |   |          |   |     |   |            |   |
| Class A - $1 par value (32,000,000 shares authorized and 12,070,794 shares issued and 
 outstanding at June 30, 2025)                                                         |                                                 |   |       12 |   |     |   |         12 |   |
| Class B - $1 par value (2,000,000 shares authorized and 1,005,185 shares issued and   
 outstanding at June 30, 2025)                                                         |                                                 |   |        1 |   |     |   |          1 |   |
| Additional paid in capital                                                            |                                                 |   |    1,179 |   |     |   |      1,179 |   |
| Retained earnings                                                                     |                                                 |   |   20,337 |   |     |   |     20,337 |   |
| Accumulated other comprehensive loss                                                  |                                                 |   |     (114 | ) |     |   |       (114 | ) |
| Total stockholders’ equity                                                            |                                                 |   |   22,296 |   |     |   |     22,296 |   |
| Total liabilities and stockholders’ equity                                            |                                                 | $ |  229,653 |   |     | $ |    230,250 |   |

S-11

USE OF PROCEEDS

We expect to receive net proceeds from this offering of approximately $597,000,000 after the deduction of the underwriting discounts and
estimated offering expenses payable by us. We intend to use the net proceeds of the offering for general corporate purposes. The precise amounts and timing of the application of proceeds will depend on the requirements of BancShares and its
subsidiaries and affiliates.

S-12

DESCRIPTION OF NOTES

General

The Notes will be
unsecured and subordinated obligations of BancShares and will be issued as a series of debt securities under the Subordinated Indenture in an initial aggregate principal amount