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First Citizens BancShares reported higher second-quarter 2026 results, with net income of $672 million versus $534 million in the prior quarter. Net income available to common stockholders was $640 million, or $55.52 per share, and adjusted net income available to common stockholders was $659 million, or $57.09 per share. Net interest income rose to $1.66 billion, and net interest margin was 3.10%, or 3.01% excluding purchase accounting accretion.
Reported noninterest income was $776 million, or $586 million on an adjusted basis, driven by higher derivatives valuations, a $17 million gain on sale of tax credit investments and broader fee growth. Adjusted noninterest expense increased modestly to $1.35 billion, as higher marketing, technology and other costs were partly offset by lower personnel expense. Credit metrics remained stable, with a $10 million benefit for credit losses versus a $72 million provision in the linked quarter, net charge-offs of $108 million (0.29% of average loans) and nonaccrual loans of $1.45 billion (0.96% of loans). The allowance for loan and lease losses was $1.48 billion, or 0.98% of loans.
Loans and leases grew 1.6% during the quarter to $151.03 billion, led by Commercial Bank growth, while deposits rose 1.5% to $173.43 billion. Borrowings fell to $32.19 billion as the company prepaid another $2.5 billion of the FDIC Purchase Money Note, leaving $28.42 billion outstanding. Regulatory capital ratios stayed above requirements, including a CET1 ratio of 10.77%. During the quarter, the company repurchased 298,907 Class A shares for $600 million, bringing total repurchases since July 2024 to 3,141,855 shares for $6.19 billion, with $1.31 billion remaining under the 2025 Share Repurchase Plan. The pending acquisition of 138 BMO Bank N.A. branches is expected to add about $5.3 billion in deposits and $700 million in loans upon anticipated closing in the third quarter of 2026, and management provided ranges for key 3Q26 and full-year 2026 metrics.
First Citizens BancShares Inc. executive Michelle Draper, Chief Marketing Officer, reported that she does not beneficially own any of the company’s securities. A holding entry dated July 6, 2026 lists total shares beneficially owned after the report as 0.0000, held directly.
FIRST CITIZENS BANCSHARES INC (FCNCA) Chairman and CEO Frank B. Holding Jr., a more than ten percent owner, reported multiple open-market purchases of Class B Common stock. He bought a total of 137 Class B shares on June 5, 2026 at prices between $1,780 and $2,070 per share.
Following these transactions, his directly held Class B Common position is reported as 64,572 shares. The filing also lists significant indirect holdings in both Class A and Class B Common through spouse, grantor retained annuity trusts and custodial and trust accounts, including 115,000 Class A shares held by spouse as trustee for the Ruth P. Holding 2025 GRAT and 106,000 Class A shares held by the Frank B. Holding Jr. 2025 #2 GRAT. A footnote states that he disclaims beneficial ownership of these indirect positions.
FIRST CITIZENS BANCSHARES INC /DE/ chairman and CEO Frank B. Holding Jr., a more than 10% owner, reported a series of open-market purchases of Class B Common Stock on June 5, 2026. He bought a total of 335 Class B shares at reported prices ranging from about $1,860 to $1,998 per share across multiple small trades, bringing his directly held Class B position to 64,160 shares.
The Form 4 also updates indirect holdings in both Class A and Class B shares through spouse accounts, grantor retained annuity trusts, custodial accounts for family members, and a trust where he is a beneficiary. The filing notes that beneficial ownership of certain of these indirect holdings is disclaimed.
First Citizens BancShares Chairman and CEO Frank B. Holding Jr. reported a series of open-market purchases of Class B Common stock. On June 5, 2026 he bought 553 Class B shares across multiple trades at prices between about $1,743.80 and $1,853.92 per share, with several trades reported at weighted-average prices over narrow ranges. Following these transactions, he directly holds 64,100 Class B shares and 206,942 Class A shares, along with additional indirect holdings through spouse, GRATs, custodial accounts, and trusts for which he disclaims beneficial ownership.
First Citizens BancShares Chairman and CEO Frank B. Holding Jr. reported open-market purchases of a total of 225 shares of Class B Common Stock on June 4, 2026 at prices in the $1,700 range per share, bringing his directly owned Class B holdings to 63,326 shares. He also directly owns 206,942 shares of Class A Common Stock. Footnotes show that on June 5, 2026, 38,111 and 22,370 Class B shares and 4,825 Class A shares were distributed from various 2025 GRATs to him and continue to be reported as directly owned, while remaining shares in those GRATs and a Ruth P. Holding 2025 GRAT, as well as certain family and trust accounts, continue to be reported as indirectly owned, with beneficial ownership of some positions expressly disclaimed.
FIRST CITIZENS BANCSHARES director Ellen R. Alemany reported indirect sales of Class A common stock. On June 4, 2026, grantor retained annuity trusts associated with her (the Alemany August 2024 and September 2025 GRATs) sold a combined 2,520 Class A Common shares in multiple open-market transactions at prices around $2,033–$2,052 per share.
After these sales, the September 2025 GRAT held 4,623 Class A Common shares and the August 2024 GRAT held 1,142 Class A Common shares. Separately, Alemany also reported direct holdings of 1,985 Class A Common shares, 300 Depositary Shares (each representing a 1/100th interest in 7% Non-Cumulative Perpetual Preferred Stock, Series D), and 30,000 shares of Class C Preferred Stock.
FIRST CITIZENS BANCSHARES INC /DE/ filed an initial Form 3 for Chief Risk Officer Tom Adam Eklund, disclosing his existing equity stake in the company. He directly holds 2,500 shares of Series C Preferred stock and 187 shares of Class A Common stock, with no new transactions reported.
The Charles Schwab Corporation submits a Form 144 notice listing Common Class A securities proposed to be sold.
The filing lists figures including 4,964,299.20 and 10,581,789, an effective date of 06/02/2026, and two Restricted Stock Unit entries dated 07/05/2024 for 1,280 and 1,240 shares under equity compensation.
FIRST CITIZENS BANCSHARES INC /DE/ director and CEO Frank B. Holding Jr., through an indirect trust, reported both a purchase and a sale of company stock. The Frank B. Holding Jr. 2025 #1 GRAT bought 5,940 shares of Class B Common at $1,726.82 per share and sold 5,346 shares of Class A Common at $1,918.69 per share on May 12, 2026. After these trades, that GRAT held 38,111 Class B shares and 100,654 Class A shares. The filing also lists various other direct and indirect holdings in Class A and Class B shares, including shares held by trusts, as custodian for family members, and directly in Mr. Holding's name. A footnote states that the reporting person disclaims beneficial ownership of these securities.