[Form 4] First Citizens BancShares Inc Insider Trading Activity

Rhea-AI Filing Summary

BRYANT HOPE HOLDING filed a Form 4 reporting changes in holdings of First Citizens BancShares Inc. (FCNCA). The filing lists a transaction dated 08/07/2025 and shows a reported disposition of 108,725 Class A Common shares and a disposition of 17 Class B Common shares. The report details multiple indirect holdings across trusts and affiliated entities, including 84,668 shares held by the Hope H. Bryant 2023 GRAT, 101,818 held by a Revocable Trust for Hope H. Bryant, 192,063 by Southern BancShares (N.C.), Inc., and 100,000 by Fidelity BancShares (N.C.), Inc. Depositary shares are also reported (e.g., 12,000 by the revocable trust; 198,945 and 200,000 by affiliated entities). The filer includes disclaimers that she disclaims beneficial ownership except to the extent of any pecuniary interest. The Form is signed by attorney-in-fact on 08/11/2025.

Positive

• Comprehensive disclosure of transactions and indirect holdings across trusts and affiliated entities
• Clear disclaimers stating the reporting person disclaims beneficial ownership except to any pecuniary interest
• Depositary share definition provided, clarifying that each represents 1/40th interest in the Series A preferred

Negative

• Reported disposition of 108,725 Class A Common shares could be perceived negatively by investors depending on context
• Large indirect concentrations held by affiliated entities and trusts may raise governance or stewardship questions for some shareholders

Insights

Financial Analyst

TL;DR: Form 4 records a sizable Class A disposal and extensive indirect holdings; disclosure is clear but materiality for investors is not stated.

The filing documents a reported disposition of 108,725 Class A Common shares and 17 Class B Common shares with a transaction date of 08/07/2025. It also enumerates numerous indirect holdings held by trusts and affiliated entities, including meaningful positions reported for Southern BancShares and Fidelity BancShares. The explanatory statements assert disclaimers of beneficial ownership for many listed holdings. From a financial-analyst perspective, the data are factual and relevant; however, the filing does not state intent, proceeds, or market impact, so one cannot conclude whether the disposal is strategic, estate planning, or liquidity-driven.

Corporate Governance Expert

TL;DR: Transparent reporting of complex family and corporate ownership structure with standard disclaimers; governance implications depend on context outside this filing.

The Form 4 provides granular disclosure of indirect ownership through trusts, family entities, and affiliated companies and includes the required disclaimers (Explanations 1 and 2). It also clarifies the nature of depositary shares (Explanation 3). For governance review, the filing evidences compliance with Section 16 reporting obligations and highlights concentrated holdings in affiliated entities, which could be relevant for conflicts-of-interest assessments. The filing itself does not allege any control change or new agreements.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

BRYANT HOPE HOLDING

(Last) (First) (Middle)

4300 SIX FORKS ROAD

(Street)

RALEIGH NC 27609

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FIRST CITIZENS BANCSHARES INC /DE/ [ FCNCA ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Vice Chairwoman

3. Date of Earliest Transaction (Month/Day/Year)
08/07/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class B Common	08/07/2025		P		409	A	$1,630	1,764	I(1)	By Twin States Farming, Inc.
Class A Common								108,725	D
Class A Common								84,668	I	Hope H. Bryant 2023 GRAT
Class A Common								101,818	I	Revocable Trust for Hope H. Bryant
Class A Common								10,772	I	As beneficiary of a trust
Class A Common								827	I(1)	By E&F Properties, Inc.
Class A Common								12,530	I(1)	By Twin States Farming, Inc.
Class A Common								192,063	I(1)	By Southern BancShares (N.C.), Inc. and subsidiary
Class A Common								100,000	I(1)	By Fidelity BancShares (N.C.), Inc.
Class B Common								17	D
Class B Common								7,442	I	By Hope H. Bryant 2023 GRAT
Class B Common								1,978	I	By Hope H. Bryant Revocable Trust
Class B Common								1,225	I	As beneficiary of trust
Class B Common								46	I(2)	By Spouse
Class B Common								200	I(1)	By E&F Properties, Inc.
Class B Common								22,619	I(1)	By Southern BancShares (N.C.), Inc.
Depositary Shares(3)								12,000	I	Revocable Trust for Hope H. Bryant
Depositary Shares(3)								198,945	I(1)	By Southern BancShares (N.C.), Inc.
Depositary Shares(3)								200,000	I(1)	By Fidelity BancShares (N.C.), Inc.

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The reporting person is a director, officer, manager and/or shareholder of the companies that own these shares, but she disclaims beneficial ownership of the listed shares except to the extent of her pecuniary interest therein, if any, and this report shall not be deemed an admission that the reporting person is the beneficial owner of such securities for purposes of Section 16 of the Securities Exchange Act of 1934 or for any other purpose.

2. The reporting person disclaims beneficial ownership of these securities, and this report shall not be deemed an admission that the reporting person is the beneficial owner of such securities for purposes of Section 16 of the Securities Exchange Act of 1934 or for any other purpose.

3. Each Depositary Share represents a 1/40th interest in a share of the Issuer's 5.375% Non-Cumulative Perpetual Preferred Stock, Series A.

	Hope H. Bryant, By: E. Knox Proctor V, Attorney-in-fact	08/11/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions are reported on the FCNCA Form 4?

The filing reports a transaction dated 08/07/2025, including a reported disposition of 108,725 Class A Common shares and a disposition of 17 Class B Common shares.

Who filed the Form 4 for FCNCA and what is their role?

The Form 4 was filed by BRYANT HOPE HOLDING (Hope H. Bryant), who is identified as a Director and Vice Chairwoman; the form is signed by an attorney-in-fact on 08/11/2025.

What indirect holdings are disclosed in the filing?

The filing lists indirect holdings including 84,668 shares in the Hope H. Bryant 2023 GRAT, 101,818 in a Revocable Trust, 192,063 by Southern BancShares (N.C.), Inc., and 100,000 by Fidelity BancShares (N.C.), Inc., plus depositary share positions.

Does the filer claim beneficial ownership of the reported securities?

No. Explanations 1 and 2 explicitly state the reporting person disclaims beneficial ownership of the listed shares except to the extent of any pecuniary interest.

What does the filing say about depositary shares?

Explanation 3 states each depositary share represents a 1/40th interest in a share of the issuer's 5.375% Non-Cumulative Perpetual Preferred Stock, Series A.