Welcome to our dedicated page for First Ctzns Bancshares N C SEC filings (Ticker: FCNCA), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
First Citizens BancShares, Inc. (NASDAQ: FCNCA) files a range of documents with the U.S. Securities and Exchange Commission that explain its capital structure, funding activities, governance decisions and significant corporate events. This SEC filings page aggregates those disclosures and pairs them with AI-powered summaries to help readers understand the key points in each report.
Investors can review current reports on Form 8-K that describe material events such as debt offerings, preferred stock issuances and branch acquisition agreements. For example, recent 8-K filings detail the issuance of fixed rate reset subordinated notes due 2035, the designation of a new series of non-cumulative perpetual preferred stock and related depositary shares, and an agreement for First-Citizens Bank & Trust Company to acquire 138 branches from BMO Bank N.A. Other 8-Ks highlight quarterly earnings announcements, share repurchase authorizations and changes in board composition or executive roles.
Alongside 8-Ks, users can access annual reports on Form 10-K and quarterly reports on Form 10-Q (when available) to see discussions of business segments, risk factors, capital management and regulatory matters. These periodic reports are central to understanding how First Citizens BancShares manages its commercial banking operations, preferred stock and subordinated debt, as well as its status as a top 20 U.S. financial institution and Fortune 500 member.
The platform also surfaces insider transaction filings on Form 4 and other ownership-related documents, enabling users to monitor equity transactions by directors and officers. AI-generated overviews highlight the most important elements of lengthy filings, helping readers navigate complex capital terms, redemption provisions, risk disclosures and transaction structures without reading every page in detail.
With real-time updates from EDGAR and concise AI explanations, this page serves as a focused entry point for analyzing FCNCA’s regulatory filings, capital actions and governance disclosures.
First Citizens BancShares, Inc. is offering
The notes are unsecured, unsubordinated obligations of BancShares, not guaranteed by subsidiaries, and will be structurally subordinated to subsidiary liabilities. They will be issued in book-entry form, not listed, and expected to deliver on or about
First Citizens BancShares is offering a series of fixed-to-floating rate senior notes, as described in a preliminary prospectus supplement dated
The notes will be unsecured and unsubordinated obligations of BancShares, will not be guaranteed by any subsidiary and therefore will be structurally subordinated to subsidiary liabilities. The offering document states proceeds will be used for general corporate purposes, which may include repayment or redemption of long-term debt. BancShares reported consolidated assets of
First Citizens BancShares is a Delaware-based bank holding company for First-Citizens Bank & Trust Company, with total consolidated assets of $229.70 billion as of December 31, 2025. It operates more than 500 branches across over 20 states plus a nationwide Direct Bank.
The company serves consumer, commercial and wealth clients through four reportable areas: the General Bank, Commercial Bank, Rail, and Corporate. It continues to grow via acquisitions, including a pending purchase of 138 BMO Bank branches, where it expects to assume about $5.7 billion in deposits and $1.1 billion in loans, and the 2023 Silicon Valley Bridge Bank transaction.
BancShares is a Category IV institution under U.S. enhanced prudential standards, subject to Basel III capital rules, CCAR capital planning and extensive federal and state regulation. The 10-K outlines detailed competitive, regulatory, technology, operational, credit, market, liquidity, capital, compliance and ESG-related risks that could materially affect future performance.
Harris Associates L.P.First Citizens BancShares, Inc. Class A common stock, representing 8.1% of the class as of 12/31/2025.
The firms report sole dispositive power over these shares and no voting power. They state the position is held in the ordinary course of business and not for the purpose of changing or influencing control of First Citizens BancShares.
First Citizens BancShares, Inc. created a new 6.625% Non-Cumulative Perpetual Preferred Stock, Series E, with a $1,000 per share liquidation preference, and related depositary shares, by filing a certificate of designation in Delaware.
The company agreed to sell, and has closed a public offering of, 16,000,000 depositary shares, each representing a 1/40th interest in a Series E preferred share. Dividends are fixed at 6.625% per year until March 15, 2031, then reset every five years at the five-year U.S. Treasury rate plus 2.830%. The preferred ranks on parity with existing preferred series, is senior to common stock, has limited voting rights, and is redeemable at the company’s option on or after March 15, 2031 or after a defined regulatory capital event.
First Citizens BancShares, Inc. is offering 16,000,000 depositary shares, each representing a 1/40th interest in its new Series E 6.625% non-cumulative perpetual preferred stock, at $25 per depositary share.
The offering totals $400 million, with proceeds before expenses of about $391.1 million and expected net proceeds of roughly $390 million, to be used for general corporate purposes. Dividends are fixed at 6.625% of the $1,000 liquidation preference per preferred share (equivalent to $25 per depositary share) until March 15, 2031, then reset every five years to the five-year U.S. Treasury rate plus 2.830%. The securities are perpetual, redeemable at the company’s option starting March 15, 2031 or following certain regulatory capital events, and are intended to qualify as additional Tier 1 capital.
The company reported unaudited net income of $580 million for the quarter ended December 31, 2025 and $2.206 billion for full-year 2025, on total assets of $229.7 billion. It also highlights a pending acquisition of 138 BMO Bank branches, where it expects to assume approximately $5.7 billion in deposits and acquire about $1.1 billion in loans, targeted to close in the second half of 2026, subject to customary approvals.
First Citizens BancShares plans to issue depositary shares, each representing a 1/40th interest in new non‑cumulative perpetual Series E preferred stock, with dividends fixed to March 15, 2031 and then resetting every five years off the five‑year U.S. Treasury rate plus a spread. The preferred is perpetual, ranks senior to common stock, and can be redeemed at the company’s option after March 15, 2031 or following certain regulatory capital events, subject to Federal Reserve approval.
The company intends to list the depositary shares on Nasdaq under the symbol FCNCN and use net proceeds for general corporate purposes. First Citizens reported unaudited net income of $580 million for the quarter ended December 31, 2025 and $2.206 billion for 2025, with total assets of $229.698 billion at year‑end. It also has an agreement to acquire 138 branches from BMO Bank N.A., expecting to assume about $5.7 billion of deposits and $1.1 billion of loans in a transaction anticipated to close in the second half of 2026.
First Citizens BancShares, Inc. reported that it has released its results of operations for the quarter ended December 31, 2025. The company furnished an earnings press release, an investor presentation, and a detailed financial supplement as Exhibits 99.1, 99.2, and 99.3 to this report, and also made them available on its investor relations website.
The company plans to discuss its fourth-quarter and full-year performance on a conference call scheduled for 9 a.m. Eastern time on January 23, 2026. The report also includes customary cautionary language about forward-looking statements, highlighting a wide range of economic, regulatory, competitive, geopolitical, and operational risks that could cause actual results to differ from current expectations.
First Citizens BancShares, Inc. reported that its Chief Risk Officer, Lorie K. Rupp, has notified the company of her intent to retire from her positions with the holding company and First-Citizens Bank & Trust Company, effective June 1, 2026. The company states that Tom Eklund, currently Treasurer of BancShares, is expected to succeed Ms. Rupp as Chief Risk Officer as of her retirement date, providing a planned leadership transition in the risk function. BancShares also noted it issued a press release on January 14, 2026 announcing the expected appointment and planned retirement, and included customary forward-looking statement language highlighting general economic, regulatory, competitive, and transaction-related risks that could affect future results.