FIRST CITIZENS BANCSHARES INC /DE/

For the period ended Jun 30, 2026. Filed Aug 7, 2026.

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.

Jun 30, 2026 · Filed Aug 7, 2026

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 June 30,		Six Months Ended June 30,
dollars in millions, except share and per share data	2026	2025	2026	2025
Interest income
Loans and leases	$2,253	$2,270	$4,459	$4,506
Investment securities	401	419	785	833
Deposits at banks	197	256	393	501
Total interest income	2,851	2,945	5,637	5,840
Interest expense
Deposits	881	894	1,714	1,787
Borrowings	314	356	646	695
Total interest expense	1,195	1,250	2,360	2,482
Net interest income	1,656	1,695	3,277	3,358
(Benefit) provision for credit losses	(10)	115	62	269
Net interest income after provision for credit losses	1,666	1,580	3,215	3,089
Noninterest income
Rental income on operating lease equipment	280	272	561	542
Lending-related fees	73	69	142	135
Deposit fees and service charges	74	59	144	117
Client investment fees	59	52	112	105
Wealth management services	62	55	121	111
International fees	36	33	71	65
Factoring commissions	18	18	35	35
Cardholder services, net	38	41	76	82
Merchant services, net	13	13	26	27
Insurance commissions	13	14	26	28
Fair value adjustment on marketable equity securities, net	15	2	18	(3)
Gain on sale of leasing equipment, net	14	8	25	13
Loss on extinguishment of debt	(7)	—	(15)	—
Other noninterest income	88	42	126	56
Total noninterest income	776	678	1,468	1,313
Noninterest expense
Depreciation on operating lease equipment	101	100	202	198
Maintenance and other operating lease expenses	67	55	132	113
Personnel cost	844	810	1,713	1,628
Net occupancy expense	59	61	119	119
Equipment expense	141	131	277	267
Professional fees	26	30	50	55
Third-party processing fees	100	63	193	126
FDIC insurance expense	39	38	77	76
Marketing expense	45	32	75	64
Acquisition-related expenses	8	38	13	80
Intangible asset amortization	11	13	24	28
Other noninterest expense	110	129	212	239
Total noninterest expense	1,551	1,500	3,087	2,993
Income before income taxes	891	758	1,596	1,409
Income tax expense	219	183	390	351
Net income	$672	$575	$1,206	$1,058
Preferred stock dividends	32	14	58	29
Net income available to common stockholders	$640	$561	$1,148	$1,029
Earnings per common share
Basic and diluted	$55.52	$42.36	$97.95	$76.73
Weighted average common shares outstanding
Basic and diluted	11,535,792	13,237,226	11,729,271	13,405,295

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.