Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 81

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 2
Chunk 81
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53

Analysis of Capital Adequacy 

dollars in millionsBasel III RequirementsPCA Well Capitalized ThresholdsJune 30, 2025March 31, 2025December 31, 2024AmountRatioAmountRatioAdjusted Ratio (1)AmountRatioAdjusted Ratio (1)BancSharesRisk-based capital ratiosTotal risk-based capital10.50 %10.00 %$24,713 14.25 %$25,071 15.23 %14.49 %$24,610 15.04 %14.27 %Tier 1 risk-based capital8.50 8.00 21,896 12.63 21,970 13.35 12.70 22,137 13.53 12.84 Common equity Tier 17.00 6.50 21,015 12.12 21,089 12.81 12.19 21,256 12.99 12.33 Tier 1 leverage ratio4.00 5.00 21,896 9.62 21,970 9.75      n/a (2)22,137 9.90 n/a (2)FCBRisk-based capital ratiosTotal risk-based capital10.50 %10.00 %$24,361 14.06 %$23,758 14.45 %13.74 %$23,975 14.66 %13.91 %Tier 1 risk-based capital8.50 8.00 22,289 12.87 21,682 13.18 12.54 21,852 13.37 12.68 Common equity Tier 17.00 6.50 22,289 12.87 21,682 13.18 12.54 21,852 13.37 12.68 Tier 1 leverage ratio4.00 5.00 22,289 9.81 21,682 9.63      n/a (2)21,852 9.78 n/a (2)

(1) Adjusted capital ratios exclude the impact of the FDIC Shared-Loss Agreement and are considered non-GAAP measures. Refer to the “Non-GAAP Financial Measurements” section of this MD&A for a reconciliation from the most comparable GAAP measure to the