Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 404

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 404
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Ratio of total nonperforming assets to total loans, leases, other real estate owned and repossessed assets1.04 1.01 0.89 Ratio of nonaccrual loans and leases to total loans and leases0.97 0.93 0.84 Ratio of ALLL to nonaccrual loans and leases117.41 126.75 141.58 

Nonaccrual loans and leases at September 30, 2025 were $1.41 billion, representing increases of $222 million and $87 million compared to December 31, 2024 and June 30, 2025, respectively, mainly due to a small number of larger balance individually evaluated commercial loans.

94

OREO and repossessed assets were $98 million at September 30, 2025 compared to $64 million at December 31, 2024 and $103 million at June 30, 2025. The increase of $34 million compared to December 31, 2024 mainly reflects additional foreclosed CRE properties. 

Delinquencies

Accruing loans 30 days or more past due were 0.62% of total loans at September 30, 2025, compared to 0.54% at December 31, 2024, and 0.52% at June 30, 2025. Delinquency status by loan class is presented in Note 4—Loans and Leases.  

CRE Portfolio

Our CRE portfolio is diversified across various property types. The following table provides an overview of the property type exposures within our CRE portfolio: 

Table 39Commercial Real Estate Portfolio (1)

dollars in millionsSeptember 30, 2025June 30, 2025Balance% to TotalLoans and LeasesBalance% to TotalLoans and LeasesMulti-Family$5,116 3.53 %$5,151 3.65 %Medical Office3,872 2.67 3,829 2.71 Industrial/Warehouse3,568 2.47 3,697 2.62 General Office2,123 1.47 2,218 1.57 Retail1,764 1.22 1,714 1.21 Healthcare1,186 0.82 1,330 0.94 Hotel/Motel867 0.60 867 0