Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 238

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 238
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7,138 6.1 6,998 6.2 7,160 6.4 Retail4,461 3.8 4,120 3.6 4,141 3.7 Service Industries4,231 3.6 4,192 3.7 4,124 3.7 Wholesale3,592 3.1 3,481 3.1 3,437 3.1 Other6,424 5.5 6,267 5.5 6,185 5.5 Total$116,428 100.0 %$113,007 100.0 %$111,993 100.0 %

96

The following table provides a summary of commercial loans by size and class. The breakout below is based on total client balances (individually or in the aggregate) as of September 30, 2025:

Table 43Commercial Loans by Size and Class

dollars in millionsLess Than $10 Million$10 to < $30 Million> $30 MillionTotal Commercial LoansCommercial construction$1,221 $1,683 $3,022 $5,926 Owner occupied commercial mortgage14,596 2,037 599 17,232 Non-owner occupied commercial mortgage6,399 4,923 4,323 15,645 Commercial and industrial14,983 12,430 13,759 41,172 Leases1,633 281 152 2,066 Global fund banking1,455 2,976 27,184 31,615 Investor dependent1,721 775 276 2,772 Total$42,008 $25,105 $49,315 $116,428 

Consumer Loan Concentrations

Loan concentrations may exist when multiple borrowers could be similarly impacted by economic or other conditions. The following table summarizes state concentrations greater than 5.0% of consumer loans based on customer address:

Table 44Consumer Loans - Geography

dollars in millionsSeptember 30, 2025June 30, 2025December 31, 2024StateCalifornia$8,324 29.4 %$8,335 29.5 %$8,655 30.7 %North Carolina7,164 25.3 7,067 25.0 6