First Citizens BancShares, Inc. (FCNCP) Debt by Year

FCNCP

First Citizens BancShares, Inc. carried $35.8B in long-term debt against $801.0M in cash and equivalents at the end of fiscal year 2025. Long-term debt fell 2.5% from the prior fiscal year. The table below carries 15 fiscal years, from 2011 to 2025, and the quarters First Citizens BancShares, Inc. has filed alongside them.

FY2025 annual

Long-Term Debt $35.8B

Cash & Equivalents $801.0M

YoY -2.5%

5Y CAGR +95.7%

10Y CAGR +48.1%

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD

Annual figures, oldest first. Point at a bar to read its period.

FCNCP Debt & Cash by Fiscal Year

Figures are as reported in USD. Each change compares the year with the year before it, and each column links to the filing it was taken from.

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Long-Term Debt	$35.8B-2.5%	$36.7B-1.3%	$37.2B+733.6%	$4.5B+273.1%	$1.2B-4.3%	$1.2B+112.0%	$588.6M+4128.4%	$13.9M-98.4%	$870.2M+4.5%	$832.9M+18.3%	$704.2M+100.4%	$351.3M-31.2%	$510.8M+14.8%	$444.9M-35.3%	$687.6M
Cash & Equivalents	$801.0M-1.6%	$814.0M-10.4%	$908.0M+75.3%	$518.0M-94.3%	$9.0B+111.5%	$4.3B+1033.5%	$376.7M+15.0%	$327.4M-2.6%	$336.1M-37.7%	$539.7M+1.1%	$534.1M-11.6%	$604.2M+13.2%	$533.6M-16.6%	$639.7M+8.3%	$590.8M

FCNCP Debt & Cash by Quarter

Figures are as reported in USD. Each change compares the quarter with the same quarter a year earlier.

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Long-Term Debt	$32.0B-14.9%	$33.8B-11.0%	$35.8B-2.5%	$38.3B+4.0%	$37.6B+1.5%	$38.0B+2.2%	$36.7B-1.3%	$36.8B-1.3%	$37.1B-6.6%	$37.1B-17.6%	$37.2B+733.6%	$37.3B+614.5%
Cash & Equivalents	$1.5B+70.9%	$1.1B+33.0%	$801.0M-1.6%	$874.0M+1.4%	$889.0M+16.4%	$812.0M+16.3%	$814.0M-10.4%	$862.0M+9.0%	$764.0M-16.7%	$698.0M-56.3%	$908.0M+75.3%	$791.0M+64.4%

What long-term debt means

Long-term debt is borrowing that falls due more than a year out, and the cash line beside it is what the company held on the same balance sheet date.

More First Citizens BancShares, Inc. financials

Frequently Asked Questions

What was First Citizens BancShares, Inc.'s long-term debt in fiscal year 2025?

First Citizens BancShares, Inc. carried $35.8B in long-term debt against $801.0M in cash and equivalents at the end of fiscal year 2025.

How fast is First Citizens BancShares, Inc.'s long-term debt growing?

First Citizens BancShares, Inc. (FCNCP) long-term debt fell by 2.5% year over year, from $36.7B to $35.8B in fiscal year 2025.

How has First Citizens BancShares, Inc.'s long-term debt changed over the years?

Across the 15 fiscal years this page covers, First Citizens BancShares, Inc. (FCNCP) long-term debt went from $687.6M in fiscal year 2011 to $35.8B in fiscal year 2025.

What was First Citizens BancShares, Inc.'s long-term debt in the most recent quarter?

First Citizens BancShares, Inc. (FCNCP) reported $32.0B in long-term debt in Q2 2026. This represents a decrease of 14.9% from the same quarter a year earlier.

What does long-term debt mean on a financial statement?

Long-term debt is borrowing that falls due more than a year out, and the cash line beside it is what the company held on the same balance sheet date. This page lists what First Citizens BancShares, Inc. (FCNCP) reported on that line in every period on record.