8-KEarnings & ResultsRegulation FDExhibits & Filings

FIRST CITIZENS BANCSHARES INC /DE/ 8-K Report, Financial Results (Oct 23, 2025)

Filed October 23, 2025For Securities:FCNCAFCNCPFCNCBFCNCOFCNCN

Summary

First Citizens BancShares, Inc. (FCNCA) has filed an 8-K report on October 23, 2025, to announce its financial results for the third quarter ended September 30, 2025. The report primarily serves to furnish the earnings press release (Exhibit 99.1) and a detailed financial supplement (Exhibit 99.3) containing the operational and financial data for the period. Investors seeking a comprehensive understanding of the company's performance should refer to these attached documents for specific figures related to revenue, net income, earnings per share, and balance sheet changes. The filing also includes an investor presentation (Exhibit 99.2) and indicates a conference call scheduled for the same day to discuss these results. While the 8-K itself does not provide the quantitative results, it directs stakeholders to the attached exhibits for these crucial details. Importantly, the information furnished under Items 2.02 and 7.01, along with the accompanying exhibits, is not considered "filed" with the SEC and therefore does not subject the company to Section 18 liability, nor is it automatically incorporated into other SEC filings unless explicitly referenced. Investors should also be aware of the extensive list of forward-looking statements and associated risks detailed in the filing, which highlight potential challenges and uncertainties that could impact future financial performance, including economic conditions, regulatory changes, and the integration of acquisitions.

Key Highlights

  • 1First Citizens BancShares, Inc. (FCNCA) announced third quarter 2025 financial results on October 23, 2025, via an 8-K filing.
  • 2The filing incorporates by reference the earnings press release (Exhibit 99.1), financial supplement (Exhibit 99.3), and investor presentation (Exhibit 99.2).
  • 3Investors need to review the attached exhibits for specific financial performance data for the quarter ended September 30, 2025.
  • 4A conference call was scheduled for October 23, 2025, at 9 a.m. Eastern time to discuss the quarterly results.
  • 5Information provided in this 8-K filing is furnished and not deemed "filed" for purposes of Section 18 liability.
  • 6The filing includes a comprehensive list of forward-looking statements and associated risks that could impact future results.

Frequently Asked Questions

The detailed financial results are provided in the Earnings Release (Exhibit 99.1) and the Financial Supplement (Exhibit 99.3) which are attached to this Form 8-K filing.

When information is furnished and not "filed" under an 8-K, it means the company is providing the information publicly but it is not subject to the same liability provisions as formally filed documents under Section 18 of the Securities Exchange Act of 1934. This is a common practice for earnings releases.

The company highlights a broad range of risks including general economic and market conditions, competitive pressures, interest rate fluctuations, regulatory changes (including potential new capital rules and FDIC assessments), geopolitical events, potential bank failures and industry volatility, cyber security risks, and risks associated with ongoing and future acquisition activities.

The 8-K filing does not explicitly mention whether a replay of the conference call will be available. Investors should check the company's investor relations website or contact their investor relations department for information on conference call replays.