8-KEarnings & ResultsRegulation FDExhibits & Filings

FIRST CITIZENS BANCSHARES INC /DE/ 8-K Report, Financial Results (Jul 23, 2026)

Filed July 23, 2026For Securities:FCNCAFCNCPFCNCBFCNCOFCNCN

Summary

First Citizens BancShares, Inc. (FCNCA) has filed an 8-K report on July 23, 2026, to announce its financial results for the quarter ended June 30, 2026. The filing includes a press release (Exhibit 99.1) and a financial supplement (Exhibit 99.3) detailing the company's performance. Additionally, an investor presentation (Exhibit 99.2) will be used during a conference call scheduled for 9 a.m. Eastern time on the same day to discuss these results. Investors should note that the information furnished in this 8-K, including the exhibits, is not considered "filed" under the Securities Exchange Act of 1934, meaning it does not carry the same liability as formally filed documents. However, the attached exhibits provide crucial details on the company's operational and financial condition for the most recent quarter, offering insights into its performance and strategic outlook. Forward-looking statements within these documents are subject to various risks and uncertainties, as detailed in the filing.

Key Highlights

  • 1First Citizens BancShares announced its second-quarter 2026 financial results on July 23, 2026.
  • 2The filing includes the official press release, a financial supplement, and investor presentation slides.
  • 3A conference call is scheduled for July 23, 2026, at 9 a.m. ET to discuss the quarterly results.
  • 4The provided information is furnished and not deemed "filed" under Section 18 of the Exchange Act, limiting certain liabilities.
  • 5The document references a wide range of potential risks and uncertainties that could impact future financial performance, including economic, geopolitical, and regulatory factors.
  • 6Specific risks mentioned include changes in interest rates, loan portfolio quality, funding sources, technological advancements, and regulatory changes such as FDIC special assessments.

Frequently Asked Questions

The main purpose of this 8-K filing is to publicly announce and provide access to First Citizens BancShares' financial results for the second quarter ended June 30, 2026, along with accompanying materials for investors.

The detailed financial results and analysis can be found in the press release (Exhibit 99.1), the financial supplement (Exhibit 99.3), and the investor presentation slides (Exhibit 99.2) which are attached to this 8-K filing and incorporated by reference.

When information is 'furnished' (as stated in Item 7.01), it means it is being provided to the SEC for informational purposes but does not carry the same legal liability under Section 18 of the Exchange Act as 'filed' documents. However, these furnished documents still contain important operational and financial disclosures for investors.

Investors should be aware of a broad spectrum of risks and uncertainties detailed in the filing, including but not limited to economic volatility, geopolitical events, changes in interest rates, regulatory actions (like FDIC assessments), technological disruptions, cyber security threats, and the potential impact of past or future bank failures.