Company: FCNCB
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-195116
Chunk: 1

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-09-04
Form: 424B5
Chunk 1
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, liabilities to general creditors and liabilities arising in the ordinary course of business or otherwise. See “Description of Notes” in this prospectus supplement. The Notes will be issued only in registered book-entry form, in minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof. Prior to this offering, there has been no public market for the Notes. The Notes will not be listed on any securities exchange or included in any automated quotation system. Investing in the Notes involves risks. See “ Risk Factors” beginning on page S-6of this prospectus supplement and in “Item 1A—Risk Factors” of our Annual Report on Form 10-Kfor the year ended December 31, 2024, as updated by our Quarterly Reports on Form 10-Q,each as filed with the U.S. Securities and Exchange Commission (the “SEC”) to read about factors you should consider before investing in the Notes.

| Per Note |     | Price to  
 Public(1) |     100.000 | % |     | Underwriting 
 Discount(2)  |     0.350 | % |     | Proceeds, Before 
 Expenses, to     
 First Citizens   |      99.650 | % |
|:---------|:----|:----------|------------:|:--|:----|:-------------|----------:|:--|:----|:-----------------|------------:|:--|
| Total    |     | $         | 600,000,000 |   |     | $            | 2,100,000 |   |     | $                | 597,900,000 |   |

| (1) | Plus accrued interest, if any, from September 5, 2025, if settlement occurs after that date. |

| (2) | See “Underwriting (Conflicts of Interest)” in this prospectus supplement for details. |

The Notes are not savings accounts, deposits, or obligations of any of our bank and non-banksubsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation (the “FDIC”) or any other governmental agency. The Notes are ineligible as collateral for a loan or extension of credit from BancShares or any of its subsidiaries. Neither the SEC, the Board of Governors of the Federal Reserve System (the “Federal Reserve”), the FDIC, the North Carolina Office of the Commissioner of Banks, nor any state securities commission or any other bank regulatory agency has approved or