First Citizens Bancshares Inc /De/ (FCNCN) — SEC Filings
First Citizens Bancshares Inc /De/ (FCNCN) — 37 SEC filings. Latest: 8-K (Nov 18, 2025). Includes 17 8-K, 6 10-Q, 6 SC 13G/A.
View First Citizens Bancshares Inc /De/ on SEC EDGAR
Overview
First Citizens Bancshares Inc /De/ (FCNCN) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 7, 2025: First Citizens BancShares, Inc. reported a net income of $568 million for the three months ended September 30, 2025, a decrease from $639 million in the same period of 2024. For the nine months ended September 30, 2025, net income was $1,626 million, down from $2,077 million in 2024. Total assets in
Sentiment Summary
Across 37 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 34 neutral. The dominant filing sentiment for First Citizens Bancshares Inc /De/ is neutral.
Filing Type Overview
First Citizens Bancshares Inc /De/ (FCNCN) has filed 17 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 1 SC 13G, 6 SC 13G/A, 1 SC 13D/A, 2 8-K/A with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (37)
Risk Profile
Risk Assessment: Of FCNCN's 30 recent filings, 0 were flagged as high-risk, 6 as medium-risk, and 24 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $1,734M |
| Net Income | $568M |
| EPS | $N/A |
| Debt-to-Equity | 1.85 |
| Cash Position | $874M |
| Operating Margin | N/A |
| Total Assets | $233,488M |
| Total Debt | $38,675M |
Key Executives
- Carson H. Brice
- Claire H. Bristow
- Ella Ann L. Holding
- Hope H. Bryant
- Olivia B. Holding
- Frank B. Holding Jr.
- William R. Lathan, Jr.
Industry Context
The banking industry is currently navigating a complex environment characterized by fluctuating interest rates, increased regulatory scrutiny, and evolving customer expectations. Competition remains intense, with traditional banks facing pressure from both fintech challengers and larger, more diversified financial institutions. Deposit growth is a key focus, as banks seek to manage funding costs while supporting loan demand.
Top Tags
amendment (7) · 8-K (6) · financials (6) · financial-reporting (5) · disclosure (5) · banking (4) · corporate-governance (4) · institutional-ownership (4) · filing (3) · 10-Q (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $568M | Decreased from $639M in Q3 2024 |
| Net Income (9M 2025) | $1,626M | Decreased from $2,077M in 9M 2024 |
| Total Assets (Sep 30, 2025) | $233,488M | Increased from $223,720M at Dec 31, 2024 |
| Net Interest Income (Q3 2025) | $1,734M | Decreased from $1,796M in Q3 2024 |
| Provision for Credit Losses (Q3 2025) | $191M | Increased from $117M in Q3 2024 |
| Provision for Credit Losses (9M 2025) | $460M | Increased from $276M in 9M 2024 |
| Total Noninterest Income (Q3 2025) | $699M | Increased from $650M in Q3 2024 |
| Total Noninterest Expense (Q3 2025) | $1,491M | Increased from $1,456M in Q3 2024 |
| Class A Common Stock Repurchased (9M 2025) | 1,098,992 | Costing $2,148M |
| Loans and Leases (Sep 30, 2025) | $144,758M | Increased from $140,221M at Dec 31, 2024 |
| Net Income Q2 2025 | $200M | Increased 10% from Q2 2024 |
| Net Interest Income Q2 2025 | $750M | Up 15% from Q2 2024 |
| Non-Interest Income Q2 2025 | $150M | Grew 8% from Q2 2024 |
| Common Equity Tier 1 Ratio | 11.5% | Strong capital position as of June 30, 2025 |
| Period End Date | 2025-06-30 | Latest reporting period for the 10-Q |
Forward-Looking Statements
- {"claim":"Vanguard will maintain a significant, passive stake in First Citizens BancShares for the foreseeable future.","entity":"The Vanguard Group","targetDate":"December 31, 2024","confidence":"high"}
- {"claim":"Egerton Capital's adjusted stake could lead to short-term volatility in FIRST CITIZENS BANCSHARES INC /DE/ stock as other investors react to the news.","entity":"FIRST CITIZENS BANCSHARES INC /DE/","targetDate":"Q1 2024","confidence":"medium"}
- {"claim":"Other institutional investors may review their positions in First Citizens Bancshares in light of Egerton Capital's updated filing.","entity":"FIRST CITIZENS BANCSHARES INC /DE/","targetDate":"Q1 2024","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for First Citizens Bancshares Inc /De/ (FCNCN)?
First Citizens Bancshares Inc /De/ has 37 recent SEC filings from Jan 2024 to Nov 2025, including 17 8-K, 6 10-Q, 6 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of FCNCN filings?
Across 37 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 34 neutral. The dominant sentiment is neutral.
Where can I find First Citizens Bancshares Inc /De/ SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all First Citizens Bancshares Inc /De/ (FCNCN) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for First Citizens Bancshares Inc /De/?
Key financial highlights from First Citizens Bancshares Inc /De/'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for FCNCN?
The investment thesis for FCNCN includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at First Citizens Bancshares Inc /De/?
Key executives identified across First Citizens Bancshares Inc /De/'s filings include Carson H. Brice, Claire H. Bristow, Ella Ann L. Holding, Hope H. Bryant, Olivia B. Holding and 2 others.
What are the main risk factors for First Citizens Bancshares Inc /De/ stock?
Of FCNCN's 30 assessed filings, 0 were flagged high-risk, 6 medium-risk, and 24 low-risk.
What are recent predictions and forward guidance from First Citizens Bancshares Inc /De/?
Recent forward-looking statements from First Citizens Bancshares Inc /De/ include guidance on {"claim":"Vanguard will maintain a significant, passive stake in First Citizens BancShares for the foreseeable future.", and 2 other predictions.