First Citizens BancShares Files 8-K Report

TL;DR

FCBC filed an 8-K, mostly routine stuff, check exhibits for details.

AI Summary

On October 16, 2025, First Citizens BancShares, Inc. filed an 8-K report. The filing primarily concerns financial statements and exhibits, along with other events and a Regulation FD disclosure. No specific new financial figures or material events beyond routine reporting were detailed in the provided text.

Why It Matters

This filing indicates routine corporate reporting and disclosure by First Citizens BancShares, Inc. to the SEC, providing transparency to investors.

Risk Assessment

Risk Level: low — The filing appears to be routine corporate disclosure and does not indicate any immediate significant risks or changes.

Key Players & Entities

• FIRST CITIZENS BANCSHARES INC /DE/ (company) — Filer
• 0000798941-25-000043 (other) — Accession Number
• October 16, 2025 (date) — Report Date
• 4300 Six Forks Road (other) — Business Address
• Raleigh (other) — City
• North Carolina (other) — State
• 27609 (other) — ZIP Code
• 919 716 7000 (other) — Business Phone

FAQ

Key Financial Figures

• $1 — stered Class A Common Stock, Par Value $1 FCNCA Nasdaq Global Select Market Depo
• $5.7 billion — Citizens Bank will assume approximately $5.7 billion in deposit liabilities and acquire appr
• $1.1 billion — t liabilities and acquire approximately $1.1 billion in loans. BancShares expects the transa

Filing Documents

• fcnca-20251016.htm (8-K) — 39KB
• fcb_bmopressrelease.htm (EX-99.1) — 7KB
• fcb_bmobankbranchannounc.htm (EX-99.2) — 8KB
• fcb_bmobankbranchannounc001.jpg (GRAPHIC) — 54KB
• fcb_bmobankbranchannounc002.jpg (GRAPHIC) — 210KB
• fcb_bmobankbranchannounc003.jpg (GRAPHIC) — 184KB
• fcb_bmobankbranchannounc004.jpg (GRAPHIC) — 103KB
• fcb_bmobankbranchannounc005.jpg (GRAPHIC) — 98KB
• fcb_bmopressrelease001.jpg (GRAPHIC) — 225KB
• fcb_bmopressrelease002.jpg (GRAPHIC) — 271KB
• 0000798941-25-000043.txt ( ) — 1792KB
• fcnca-20251016.xsd (EX-101.SCH) — 2KB
• fcnca-20251016_def.xml (EX-101.DEF) — 7KB
• fcnca-20251016_lab.xml (EX-101.LAB) — 28KB
• fcnca-20251016_pre.xml (EX-101.PRE) — 17KB
• fcnca-20251016_htm.xml (XML) — 5KB

01. Regulation FD Disclosure

Item 7.01. Regulation FD Disclosure. On October 16, 2025, First-Citizens Bank & Trust Company ("First Citizens Bank"), the wholly owned banking subsidiary of First Citizens BancShares, Inc. ("BancShares"), issued a press release announcing that it had entered into an agreement to consummate the BMO Branch Acquisition (as defined below). Also on October 16, 2025, First Citizens Bank made available a presentation providing additional information on the BMO Branch Acquisition. Copies of the press release and presentation are included with this Current Report on Form 8-K (this "Report") as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated into this Item 7.01 by reference. The press release and presentation are available on BancShares' internet site at http://www.ir.firstcitizens.com. In accordance with General Instruction B.2 of Form 8-K, the information presented herein pursuant to Item 7.01, "Regulation FD Disclosure," including Exhibits 99.1 and 99.2, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of that section, nor shall the information be deemed incorporated by reference in any filing under the Exchange Act or the Securities Act of 1933, as amended, regardless of any general incorporation language in such filing, except as expressly set forth by specific reference in such filing.

01. Other Events

Item 8.01. Other Events. On October 16, 2025, First Citizens Bank entered into an agreement to acquire 138 branches from BMO Bank N.A. ("BMO Bank") located throughout the Midwest, Great Plains and West regions of the U.S. (the "BMO Branch Acquisition"). In connection with the BMO Branch Acquisition, First Citizens Bank will assume approximately $5.7 billion in deposit liabilities and acquire approximately $1.1 billion in loans. BancShares expects the transaction to close in mid-2026, subject to customary closing terms and conditions and regulatory approvals.

01. Financial Statements and Exhibits

Item 9.01. Financial Statements and Exhibits. (d) Exhibits . The following exhibits accompany this Report. Exhibit No. Description 99.1 Press Release dated October 16, 2025 99.2 Investor Presentation dated October 16, 2025 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) Disclosures About Forward-Looking Statements This Report contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans, asset quality, future performance, and other strategic goals of BancShares. Words such as "anticipates," "believes," "estimates," "expects," "predicts," "forecasts," "intends," "plans," "projects," "targets," "designed," "could," "may," "should," "will," "potential," "continue", "aims" or other similar words and expressions are intended to identify these forward-looking statements. These forward-looking statements are based on BancShares' current expectations and assumptions regarding BancShares' business, the economy, and other future conditions. Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict. Many possible events or factors could affect BancShares' future financial results and performance and could cause actual results, performance or achievements of BancShares to differ materially from any anticipated results expressed or implied by such forward-looking statements. Such risks and uncertainties include, among others, general competitive, economic (including the imposition of tariffs or trade barriers on trading partners), political, geopolitical events (including conflicts in Ukraine and the Middle East), natural disasters and market conditions, including changes in competitive pressures among financial institutions and the impacts related to or resulting from

View Full Filing

View this 8-K filing on SEC EDGAR