第一公民银行股份 2026年季度报告

Quarterly Report Pursuant to Section13 or 15(d) of the Securities Exchange Act of 1934For the quarterly period ended June30, 2026 Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number: 001-16715 First Citizens BancShares, Inc. (Exact name of Registrant as specified in its charter) 56-1528994 (State or other jurisdiction ofincorporation or organization) (I.R.S. EmployerIdentification Number) (919) 716-7000 (Registrant’s telephone number, including area code) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growthcompany. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of theExchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smallerreportingcompany☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ Class A Common Stock—10,287,935 sharesClass B Common Stock—1,005,185 shares(Number of shares outstanding, by class, as of August3, 2026) CONTENTS Item 1.Financial Statements4Consolidated Balance Sheets (Unaudited)4Consolidated Statements of Income (Unaudited)5Consolidated Statements of Comprehensive Income (Unaudited)6Consolidated Statements of Changes in Stockholders’ Equity (Unaudited)7Consolidated Statements of Cash Flows (Unaudited)9Notes to Consolidated Financial Statements (Unaudited)11Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations56Item 3.Quantitative and Qualitative Disclosures about Market Risk108Item 4.Controls and Procedures108 Item 1.Legal Proceedings109Item 1A.Risk Factors109Item 2.Unregistered Sales of Equity Securities and Use of Proceeds109Item 5.Other Information109Item 6.Exhibits110Signatures111 GLOSSARY OF ABBREVIATIONS AND ACRONYMS The following is a list of select abbreviations and acronyms used throughout this document. You may find it helpful to refer back tothis table. PART I—FINANCIAL INFORMATION First Citizens BancShares, Inc. and SubsidiariesConsolidated Balance Sheets (Unaudited) First Citizens BancShares, Inc. and SubsidiariesConsolidated Statements of Comprehensive Income (Unaudited) First Citizens BancShares, Inc. and SubsidiariesConsolidated Statements of Cash Flows (Unaudited) First Citizens BancShares, Inc. and SubsidiariesNotes to Consolidated Financial Statements (Unaudited) NOTE 1 — SIGNIFICANT ACCOUNTING POLICIES AND BASIS OF PRESENTATION Nature of OperationsFirst Citizens BancShares, Inc. (the “Parent Company” and, when including all of its subsidiaries on a consolidated basis, “we,” “us,” “our,” “BancShares”) is a financial holding company organized under the laws of Delaware that conducts operations through itsbanking subsidiary, First-Citizens Bank& Trust Company (“FCB”), which is headquartered in Raleigh, North Carolina. BancSharesoperates a network of branches and offices, predominantly located in the Southeast, Mid-Atlantic, Midwest and Western United States.BancShares provides various types of commercial and consumer banking services, including lending, leasing, and wealth managementservices. Deposit services include checking, savings, money market, and time deposit accounts. BASIS OF PRESENTATION Principles of Consolidation and Basis of PresentationThese consolidated financial statements and notes thereto are presented in accordance with instructions for Form 10-Q and Article 10 of Regulation S-X and, therefore, do not include all information and notes necessary for a complete presentation of financial position,results of operations, and cash flow activity required in accordance with accounting principles generally accepted in the United Statesof America (“GAAP”). In the opinion of management, all normal recurring adjustments necessary for a fair presentation of theconsolidated financial position and consolid