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 is offering subordinated notes described in this prospectus supplement. The Notes are unsecured and subordinated to all Senior Indebtedness and effectively subordinated to secured indebtedness to the extent of collateral value. Interest will reset from the Reset Date to maturity based on the Five-year U.S. Treasury Rate as of the Reset Determination Date plus stated basis points. As of June 30, 2025, the company and its subsidiaries had aggregate debt and other liabilities of approximately $206.79 billion, including $36.46 billion of secured indebtedness (which includes a $35.99 billion Purchase Money Note to the FDIC maturing March 27, 2028) and approximately $750 million of outstanding subordinated debt that will rank equally with the new Notes. The Subordinated Indenture does not limit incurrence of additional senior or pari passu indebtedness. Redemption of the Notes may require prior Federal Reserve approval where applicable. The prospectus discusses tax, DTC, paying agent and transfer agent procedures and specialized U.S. federal income tax considerations for non-U.S. holders.
Olivia B. Holding filed a Form 4 reporting indirect holdings of both Class A and Class B common stock of First Citizens BancShares, Inc. (FCNCA) and related depositary shares. The filing identifies the reporting person as a director and lists substantial indirect positions: 537,667 Class A shares held by the Olivia B. Holding Revocable Trust and 121,926 Class B shares held by the same trust, plus additional indirect holdings through multiple entities and trusts (including 192,063 Class A by Southern BancShares (N.C.), Inc., 174,469 Class A by YVC Holdings, Inc., and others). The report also lists depositary shares of the issuer's preferred stock held indirectly (22,000, 198,945, and 200,000 by named entities). The filer disclaims beneficial ownership of listed shares except to the extent of any pecuniary interest, and the form notes each depositary share represents a 1/40th interest in the issuer's 5.375% Non-Cumulative Perpetual Preferred Stock, Series A.
First Citizens BancShares insider reporting person Hope H. Bryant reported an open-market purchase of 409 shares of Class B Common Stock at $1,630 per share on August 7, 2025. The transaction was made indirectly through Twin States Farming, Inc., an entity associated with her.
Following this trade, Twin States Farming, Inc. held 1,764 Class B shares. The filing also lists substantial direct and indirect holdings of Class A Common Stock and Depositary Shares through multiple trusts and affiliated companies, with footnotes stating that Bryant disclaims beneficial ownership beyond any pecuniary interest.
Frank B. Holding Jr., identified as Chairman and CEO, a director and a 10% owner, filed a Form 4 reporting transactions linked to First Citizens BancShares Inc. (FCNCA). The filing records transactions dated 08/07/2025 showing purchases of Class B Common shares reported as: 150, 150, and 300 shares with indicated prices of $1,700, $1,700, and $1,697.50 respectively, each entry tied to trusts or GRATs named in the form.
The form also shows a reported disposition of 202,477 Class A Common shares (marked D) and lists multiple existing beneficial ownership and indirect holdings across Class A and Class B shares, including 106,000 and 115,000 Class A shares held in identified 2025 GRATs and indirect holdings by spouse and custodial accounts. The filing is signed by an attorney-in-fact on 08/11/2025.
First Citizens BancShares reported consolidated net income of $575 million for the quarter ended June 30, 2025, down from $707 million a year earlier, producing diluted earnings per share of $42.36 versus $47.54 in the prior-year period. Net interest income fell to $1,695 million from $1,821 million, driven by lower interest and fees on loans ($2,270 million versus $2,422 million) partially offset by higher interest on investment securities ($419 million versus $330 million).
On the balance sheet, total assets rose to $229.7 billion from $223.7 billion, and total deposits increased to $159.9 billion from $155.2 billion. Total loans and leases were $141.3 billion. The allowance for loan and lease losses was $1.672 billion. Accumulated other comprehensive loss improved meaningfully to $(114) million from $(445) million, reflecting unrealized gains on available-for-sale securities.
Noninterest expense rose to $1,500 million for the quarter and provision for credit losses increased to $115 million. The company repurchased 641,642 Class A shares year-to-date for $1.239 billion (including 338,959 shares for $619 million this quarter). These results show asset and deposit growth and improved OCI, while earnings, net interest margin and credit-related costs moderated performance versus the prior year.
FCNCA Form 4: Director Ralph Mattox Snow III purchased 10 Class A shares of First Citizens BancShares on 08/05/2025 at $1,888.5978 each, an outlay of roughly $18.9 k. His direct holdings increase from 100 to 110 shares; no derivative positions were disclosed. The buy was coded “P,” indicating an open-market acquisition and not a 10b5-1 trade. While the action signals incremental insider confidence, the volume is immaterial versus the bank’s multi-million-share float and should not meaningfully affect ownership structure or liquidity.
On 25 Jul 2025, First Citizens BancShares (FCNCA) filed an 8-K announcing two material developments.
Item 2.02: The company released second-quarter 2025 results via press release (Ex 99.1), financial supplement (Ex 99.3) and investor presentation (Ex 99.2). Management will review the quarter on a conference call at 9 a.m. ET, 25 Jul 2025. Specific revenue, EPS and capital ratios are contained in the exhibits, not in the body of the filing.
Item 8.01: The Board approved a new share-repurchase program (“2025 SRP”) authorizing the buyback of up to $4.0 billion of Class A common stock through 2026. Purchases may occur on the open market or via private transactions, including Rule 10b5-1 plans, and can be modified, suspended or terminated at any time at management’s discretion once the existing 2024 SRP is completed.
No additional financial metrics, guidance or strategic changes are provided in the text; investors must consult the attached exhibits for quantitative detail.