FIRST CITIZENS BANCSHARES INC /DE/

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

FCNCA$2,311.52+0.9%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income (Unaudited)

	Three Months Ended September 30,		Nine Months Ended September 30,
dollars in millions, except share and per share data	2025	2024	2025	2024
Interest income
Interest and fees on loans	$2,300	$2,430	$6,806	$7,206
Interest on investment securities	433	358	1,266	970
Interest on deposits at banks	265	350	766	1,176
Total interest income	2,998	3,138	8,838	9,352
Interest expense
Deposits	911	1,004	2,698	2,907
Borrowings	353	338	1,048	1,011
Total interest expense	1,264	1,342	3,746	3,918
Net interest income	1,734	1,796	5,092	5,434
Provision for credit losses	191	117	460	276
Net interest income after provision for credit losses	1,543	1,679	4,632	5,158
Noninterest income
Rental income on operating lease equipment	273	262	815	776
Lending-related fees	67	67	202	189
Deposit fees and service charges	61	57	178	172
Client investment fees	58	55	163	159
Wealth management services	57	54	168	157
International fees	34	29	99	86
Factoring commissions	18	19	53	55
Cardholder services, net	39	42	121	122
Merchant services, net	12	12	39	36
Insurance commissions	13	14	41	42
Realized gain on sale of investment securities, net	—	4	—	4
Fair value adjustment on marketable equity securities, net	13	9	10	3
Gain on sale of leasing equipment, net	3	5	16	19
Loss on extinguishment of debt	—	—	—	(2)
Other noninterest income	51	21	107	98
Total noninterest income	699	650	2,012	1,916
Noninterest expense
Depreciation on operating lease equipment	98	99	296	293
Maintenance and other operating lease expenses	67	59	180	164
Personnel cost	817	788	2,445	2,277
Net occupancy expense	58	62	177	182
Equipment expense	137	128	404	368
Professional fees	26	42	81	91
Third-party processing fees	67	55	193	173
FDIC insurance expense	38	31	114	105
Marketing expense	33	20	97	52
Acquisition-related expenses	28	46	108	148
Intangible asset amortization	13	15	41	47
Other noninterest expense	109	111	348	318
Total noninterest expense	1,491	1,456	4,484	4,218
Income before income taxes	751	873	2,160	2,856
Income tax expense	183	234	534	779
Net income	$568	$639	$1,626	$2,077
Preferred stock dividends	14	15	43	46
Net income available to common stockholders	$554	$624	$1,583	$2,031
Earnings per common share
Basic	$43.08	$43.42	$119.70	$140.27
Diluted	$43.08	$43.42	$119.70	$140.26
Weighted average common shares outstanding
Basic	12,849,339	14,375,974	13,217,940	14,480,874
Diluted	12,849,339	14,375,974	13,217,940	14,481,919

ContentsView on SEC.gov

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