{"filings":[{"id":98935,"accession_number":"0000798941-26-000020","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"First Citizens stockholders elect 12 directors, approve say-on-pay, reject faith-based ERG proposal","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected; highest vote withheld was 3.09M shares for Robert T. Newcomb.","Say-on-pay resolution approved with 97.9% of votes cast in favor (20.02M For, 0.34M Against).","Ratification of KPMG as 2026 auditor approved with overwhelming support (24.57M For, 2,455 Against).","Stockholder proposal on faith-based employee resource groups rejected with 99.6% votes against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98934,"accession_number":"0000798941-26-000018","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q1 2026: $900M buyback, $2.5B debt prepaid; CEO cites growth","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Chairman Holding reports loan and deposit growth, resilient credit quality, return metrics exceeding expectations.","Returned $900M to stockholders via share repurchases during Q1 2026.","Prepaid $2.50B of Purchase Money Note; capital and liquidity positions remain strong.","Specific EPS, revenue, and margin data not included in excerpt; see Exhibits 99.1 and 99.3."],"consensus_eps_estimate":null,"consensus_eps_actual":42.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":2313000000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114663,"accession_number":"0001193125-26-088346","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2026-03-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens BancShares issues $500M of 4.869% senior notes due 2032","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M aggregate principal of 4.869% Fixed-to-Floating Rate Senior Notes due 2032.","Notes sold in public offering on March 3, 2026 via prospectus supplement dated Feb 25, 2026.","Underwriters: J.P. Morgan, BofA Securities, Wells Fargo Securities.","Notes issued under senior base indenture dated March 12, 2025 with U.S. Bank Trust as trustee.","Use of proceeds not specified; typical for general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114662,"accession_number":"0001193125-26-039401","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2026-02-05T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"First Citizens closes $400M Series E preferred stock offering (16M depositary shares at $25 each)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Filed Certificate of Designation for 6.625% Non-Cumulative Perpetual Preferred Stock, Series E, $1,000 liquidation preference.","Public offering of 16,000,000 depositary shares closed Feb 5, 2026; each represents 1/40th interest in a Series E share.","Dividend 6.625% p.a. to March 2031, then 5-yr Treasury plus 2.830%; payable quarterly.","Company may redeem on/after March 2031; no mandatory redemption; limited voting rights.","Proceeds not specified; offering subject to Federal Reserve capital rules."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114661,"accession_number":"0000798941-26-000010","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2026-01-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"FCNCA Q4 adjusted EPS $51.27 vs $45.10 yoy; $900M share repurchases, $2.5B note prepaid","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $566M GAAP ($45.81 diluted EPS); adjusted net income $634M ($51.27 diluted EPS).","Returned $900M via share repurchases and prepaid $2.5B Purchase Money Note in Q4.","Total loans grew $3.2B QoQ to $147.9B, led by Global Fund Banking capital call lines ($31.8B).","Credit quality stable: nonaccrual loans 0.88% of total loans, net charge-off ratio 0.39% for Q4.","Announced BMO branch acquisition (138 branches, ~$5.7B deposits, $1.1B loans) expected to close 2H 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":165.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":9541000000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114660,"accession_number":"0000798941-26-000007","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2026-01-14T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"First Citizens BancShares CRO Lorie Rupp to retire June 1; Treasurer Tom Eklund to succeed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lorie Rupp to retire as EVP & Chief Risk Officer effective June 1, 2026, after 13-year tenure.","Tom Eklund, current Treasurer and 20-year veteran, to succeed as CRO on same date.","Rupp served as CRO since March 2017, previously Chief Accounting Officer; strengthened risk framework.","Eklund has experience managing capital, market, liquidity, and compliance risks.","Orderly transition planned; CEO Frank Holding expressed confidence in both executives."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131036,"accession_number":"0001193125-25-286155","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-11-18T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"First Citizens BancShares issues 500,000 depositary shares of 7% Series D Preferred Stock","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["500,000 depositary shares sold, each representing 1/100th interest in Series D Preferred with $100,000 liquidation preference per share.","Dividends: 7.000% per annum to Dec 15, 2030, then floating at 5-year Treasury + 3.301%, payable quarterly.","Underwriters: J.P. Morgan, BofA, Citigroup, Morgan Stanley; offering closed Nov 18, 2025.","No voting rights except for fundamental changes or if dividends unpaid for 18 months (then right to elect two directors).","No fixed maturity; redeemable at company's option on/after Dec 15, 2030, subject to Federal Reserve approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131035,"accession_number":"0000798941-25-000047","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q3 diluted EPS $43.08 (adjusted $44.62); net income $568M; BMO branch acquisition announced","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $43.08 GAAP, $44.62 adjusted; net income $568M vs $639M a year ago.","Net interest income $1.734B, down 3.5% YoY; provision for credit losses $191M (up from $117M).","Total loans $144.8B, deposits $163.2B, up 4.4% and 7.7% YoY respectively.","Announced acquisition of 138 BMO branches assuming ~$5.7B deposits and ~$1.1B loans; expected close mid-2026.","Returned $900M via share repurchases in Q3; CET1 ratio 11.65%."],"consensus_eps_estimate":null,"consensus_eps_actual":119.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":7104000000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131034,"accession_number":"0000798941-25-000043","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-10-16T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"First Citizens to acquire 138 BMO branches in 11 states, assume $5.7B deposits","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Transaction includes $5.7B in deposit liabilities and $1.1B in loans from BMO Bank N.A.","Branches span Midwest, Great Plains and West, adding presence in 8 new states plus select locations.","Expected close mid-2026, subject to regulatory approvals and customary conditions.","CEO Frank B. Holding Jr. cites solid deposit franchise and enhanced liquidity positioning."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147623,"accession_number":"0001193125-25-197315","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-09-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens BancShares issues $600M of 5.600% subordinated notes due 2035","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $600M of 5.600% Fixed Rate Reset Subordinated Notes due 2035 on Sept 5, 2025.","Notes sold in public offering; terms governed by subordinated base indenture and third supplemental indenture.","Underwriting syndicate led by BofA Securities and Morgan Stanley.","Notes are subordinated and rank junior to senior debt obligations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147622,"accession_number":"0000798941-25-000034","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"First Citizens Q2 net income $575M, EPS $42.36; announces $4.0B share repurchase plan","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $575M, diluted EPS $42.36; adjusted diluted EPS $44.78.","Net interest income $1.695B, NIM 3.26% (ex-PAA 3.14%).","Returned $613M of capital via share repurchases in Q2.","Board authorized new $4.0B share repurchase program through 2026 (following current $3.5B plan).","Appointed Diane Morais to the Board of Directors."],"consensus_eps_estimate":null,"consensus_eps_actual":76.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":4671000000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166285,"accession_number":"0000798941-25-000028","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-06-26T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"First Citizens BancShares appoints Diane Morais to board effective July 1, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Diane Morais, former President of Consumer and Commercial Banking at Ally Bank, joins the board.","Appointed to Risk Committee and Technology Committee; determined independent under Nasdaq rules.","Morais brings over 30 years of financial services experience including at Bank of America and Citibank.","Appointment effective July 1, 2025; will serve until 2026 annual meeting if re-elected."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166284,"accession_number":"0000798941-25-000021","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"First Citizens BancShares shareholders elect all 11 director nominees, approve say-on-pay and KPMG ratification","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected; Frank B. Holding Jr. received 23.7M for, David G. Leitch had 2.37M withheld.","Say-on-pay resolution passed with 23.7M for, 254.5K against, 144.9K abstained.","KPMG LLP ratified as independent auditor for 2025 with 26.85M for, 3.7K against.","Annual meeting held April 29, 2025; broker non-votes of 2.76M on director and say-on-pay items."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166283,"accession_number":"0000798941-25-000019","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q1 EPS $34.47 down 30% QoQ; net income $483M from $700M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $34.47 (GAAP) vs $49.21 in Q4 2024; adjusted EPS $37.79 vs $45.10.","Net interest income $1,663M down 2.7% QoQ; NIM 3.26% vs 3.32% prior quarter.","Loans grew to $141.4B (+0.8%) and deposits to $159.3B (+2.6%) QoQ.","Returned $613M to shareholders via share repurchases during Q1.","Completed $1.25B debt issuance: $500M senior notes + $750M subordinated notes."],"consensus_eps_estimate":null,"consensus_eps_actual":34.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":2298000000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166282,"accession_number":"0000798941-25-000016","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-04-07T23:59:59+00:00","items":["1.02","9.01"],"status":"ready","headline":"First Citizens terminates FDIC shared-loss agreement on $60B SVB loan portfolio","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Early termination of commercial shared-loss agreement (CSLA) with FDIC covering $60B in loans from Silicon Valley Bridge Bank acquisition.","Termination motivated by remote likelihood of reaching the $5B loss threshold; no payments due from either party.","$35.99B purchase money note (3.50% fixed, matures March 2028) remains in effect and unaffected by the termination.","All FDIC loss-sharing (0% under $5B, 50% above) and FCB reimbursement obligations and related reporting covenants eliminated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183732,"accession_number":"0001193125-25-052974","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-03-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens BancShares issues $1.25B in senior and subordinated notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M of 5.231% Fixed-to-Floating Rate Senior Notes due 2031 issued.","$750M of 6.254% Fixed-to-Fixed Rate Subordinated Notes due 2040 issued.","Offering underwritten by Citigroup Global Markets Inc. and J.P. Morgan Securities LLC.","Proceeds will be used for general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183731,"accession_number":"0000798941-25-000003","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2025-01-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q4 net income $700M, EPS $49.21; repurchased $963M in stock","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP diluted EPS $49.21 vs $34.33 in Q4 2023; adjusted EPS $45.10 vs $46.58.","Net interest income $1.71B; noninterest income $699M; total revenue $2.41B.","End-of-period loans $140.2B (+1.1% QoQ); deposits $155.2B (+2.4% QoQ).","Net charge-off ratio 0.46%; nonaccrual loans 0.84% of total loans.","Repurchased 461,583 shares for $963M during Q4; capital ratios remain strong."],"consensus_eps_estimate":null,"consensus_eps_actual":189.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":9758000000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200329,"accession_number":"0000798941-24-000050","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-12-16T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"First Citizens appoints Matt Snow to board effective Jan. 2, 2025; audit committee member","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Snow, age 60, is chairman of governing board at Forvis Mazars; expected to retire in May 2025.","He will serve on audit and trust committees; no arrangements with any person for selection.","Forvis Mazars provided ~$0.6M in services since 2023; no services during Snow's directorship.","Board determined Snow independent under Nasdaq rules; compensation prorated per standard policy.","Snow has 30+ years of experience including CEO of DHG and audit partner at KPMG."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200328,"accession_number":"0000798941-24-000044","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q3 net income $639M ($43.42 EPS), down 15% YoY; NIM 3.53%, credit weakens","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $624M; diluted EPS $43.42, down from $50.67 YoY. Adjusted EPS $45.87.","Net interest income $1,796M (-9.7% YoY); net interest margin 3.53% vs 4.07% on rate and mix pressure.","Total loans $138.7B (+4.1% YoY) but SVB Commercial fund banking loans fell to $27.1B.","Nonaccrual loans ratio 0.90% (vs 0.68% YoY); net charge-offs $145M (0.42% annualized).","Repurchased ~350,000 shares for $700M in Q3 under July 2024 buyback plan."],"consensus_eps_estimate":null,"consensus_eps_actual":140.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":7350000000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.78,"calibrated_materiality_score":0.78,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216365,"accession_number":"0000798941-24-000042","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-08-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens BancShares files 8-K with XBRL financial data; no material narrative available","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing contains XBRL-tagged financial data for periods ending Dec 31, 2023 and 2022.","References to Silicon Valley Bridge Bank acquisition from March 2023 are present.","No press release or executive summary; specific financial metrics cannot be extracted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216364,"accession_number":"0000798941-24-000034","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"First Citizens Q2 EPS $47.54, adj EPS $50.87; authorizes $3.5B share repurchase","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $707M ($47.54 diluted EPS), up from $682M ($45.87) YoY; adjusted diluted EPS $50.87.","Net interest income $1.82B, down 7% YoY; NIM 3.64% vs 4.11% a year ago.","Total loans $139.3B (+4.8% YoY), deposits $151.1B (+7.0% YoY); SVB segment achieved loan and deposit growth.","Credit quality: nonaccrual loans 0.82%, net charge-off ratio 0.38%; provision for credit losses $95M vs $151M YoY.","Board authorized up to $3.5B share repurchase through 2025; repurchases expected to begin Q3 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":96.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":4904000000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235927,"accession_number":"0000798941-24-000024","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-05-06T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"First Citizens BancShares shareholders elect 13 directors, approve say-on-pay, ratify KPMG; de-banking proposal fails","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 13 director nominees elected; Robert T. Newcomb received highest withhold votes at 3,932,914.","Say-on-pay advisory resolution approved with 22,923,029 for, 275,549 against, 159,905 abstain.","Ratification of KPMG as auditor for 2024 passed with 27,167,433 for, 32,890 against, 2,880 abstain.","Stockholder proposal on politicized de-banking not approved: 22,687,494 against, 552,843 for, 118,146 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235926,"accession_number":"0000798941-24-000022","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q1 net income $731M; adj. EPS $52.92, up from $46.58 Q4","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP diluted EPS $49.26 vs $34.33 in Q4 2023; adjusted diluted EPS $52.92 vs $46.58.","Net interest income $1,817M, down from $1,911M Q4; NIM compressed to 3.67% from 3.86%.","Total loans $135.4B (+1.6% linked-quarter); deposits $149.6B (+2.6% linked-quarter).","Nonaccrual ratio 0.79% (up 6bp); net charge-off ratio 0.31% (down 22bp).","CET1 ratio improved to 13.44% from 13.36% Q4 and 12.53% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":49.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":2444000000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253681,"accession_number":"0000798941-24-000010","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-01-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q4 GAAP EPS $34.33, adj. $46.58; NIM 3.86%, loans $133.3B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income available to common of $499M ($34.33 diluted EPS); adjusted $678M ($46.58).","Net interest income $1,911M, down 4% QoQ; net interest margin 3.86% vs 4.07% in Q3.","Provision for credit losses $249M, up from $192M Q3; net charge-off ratio 0.53%.","Period-end loans $133.3B, deposits $145.9B; CET1 ratio 13.36%, TBV $1,357.77.","Completed CIT integration and SVB stabilization; CEO cites solid results for 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":784.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":18787000000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253679,"accession_number":"0000798941-24-000012","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K/A","filed_at":"2024-01-26T23:59:59+00:00","items":["1.01","2.01","9.01"],"status":"ready","headline":"First Citizens BancShares completes SVB bridge bank acquisition; records $9.8B after-tax gain","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Assets acquired $107.54B (loans $68.47B, cash $35.31B); liabilities assumed $61.42B (deposits $56.01B).","Preliminary after-tax gain on acquisition $9.81B; assets acquired at $16.45B discount.","Issued $35.81B purchase money note to FDIC; $500M value appreciation instrument exercised and paid.","Shared-loss agreement covers $60.5B loans; FDIC shares 50% of losses above $5B; possible true-up to $1.5B.","SVB Segment: net income $530M Mar-Dec 2023; deposits fell from $56.01B to $38.48B."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253680,"accession_number":"0000798941-24-000003","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2024-01-16T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"First Citizens appoints Gregory L. Smith as Chief Information & Operations Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Smith, former TD Bank executive, joins as CIOO effective Jan 9, 2023? reported Jan 16, 2024.","Base salary $600k, signing bonus $100k, long-term cash payments $100k each in 2025-2027.","Performance bonuses up to $1.8M per year for 2024 and 2025 based on strategic objectives.","LTIP target award 300% of base salary for 2024-2026 period; relocation package $50k.","Reports to CEO Frank B. Holding Jr.; oversees technology, operations, cyber, data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253678,"accession_number":"0000798941-24-000005","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K/A","filed_at":"2024-01-16T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"First Citizens BancShares corrects effective date of CIO & Operations Officer appointment from 2023 to 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Gregory L. Smith appointed as Chief Information & Operations Officer, effective January 9, 2024.","Original Form 8-K erroneously listed effective date as January 9, 2023; this amendment corrects that.","No other changes from the original filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271118,"accession_number":"0000798941-23-000052","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-12-15T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"David G. Leitch appointed to First Citizens BancShares board effective Jan 1, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Leitch, former Bank of America vice chair and global general counsel, joins board of BancShares and its subsidiary First-Citizens Bank.","He will serve on the audit committee and compensation, nominations and governance committee.","Prior roles include general counsel of Ford Motor Co. (2005-2015) and multiple senior U.S. government legal positions.","Board determined Leitch is independent under Nasdaq listing rules; no arrangements or related transactions disclosed.","He receives standard non-employee director compensation on a prorated basis as described in proxy statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271117,"accession_number":"0001193125-23-283396","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-11-27T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"First Citizens amends SVB acquisition financing: purchase money note increased to ~$36.07B at 3.5%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amended purchase money note principal adjusted from $35B to ~$36.07B, interest 3.5% p.a., maturing March 2028.","Advance Facility Agreement provides up to $70B liquidity through March 2025 at SOFR + 25 bps, subordinated to purchase money note.","No scheduled principal payments; FCB may prepay without penalty twice monthly.","Collateral includes loans acquired from SVB and facility accounts; covenants and events of default detailed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271116,"accession_number":"0000798941-23-000044","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens BancShares reports Q3 2023 earnings; specific figures not provided in filing excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Q3 2023 earnings released; CEO cites solid results, strong revenue growth, and disciplined expense management.","Acquisition of Silicon Valley Bridge Bank closed March 2023; total assets acquired ~$107.5B, deposits assumed ~$56B.","SVB segment identified as new business segment; integration progress noted.","Purchase Money Note to FDIC of ~$36.1B at 3.50% interest over five years.","Capital and liquidity positions solid; focus on core deposit gathering and credit risk management."],"consensus_eps_estimate":null,"consensus_eps_actual":750.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288002,"accession_number":"0000798941-23-000034","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-08-03T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens BancShares Reports Q2 2023 Earnings Including Full Quarter Impact from SVB Acquisition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Reported Q2 2023 earnings including first full quarter after acquiring Silicon Valley Bridge Bank on March 27, 2023.","Acquired assets with estimated fair value of $107.26 billion and loans of $68.46 billion from FDIC.","Assumed $55.90 billion in customer deposits without premium and $16.45 billion discount on assets.","Entered into a five-year note payable to FDIC of $36.07 billion at 3.50% interest."],"consensus_eps_estimate":null,"consensus_eps_actual":699.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288001,"accession_number":"0001193125-23-199114","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K/A","filed_at":"2023-07-31T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"First Citizens board adopts annual advisory Say-on-Pay votes per stockholder preference","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board of Directors adopted annual Say-on-Pay frequency per stockholder advisory vote at April 25, 2023 annual meeting.","Stockholder majority favored annual frequency; board's Compensation, Nominations and Governance Committee recommended annual.","Annual Say-on-Pay submission will continue until next required stockholder vote on frequency."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308389,"accession_number":"0000798941-23-000028","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-05-10T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens reports Q1 earnings; acquired $106.6B SVB Bridge Bank assets at discount","summary_kind":"llm","event_type":"earnings","confidence":"medium","bullets":["Acquired $106.6B total assets (including $68.5B loans) and assumed $55.96B deposits from FDIC on March 27, 2023.","Assets acquired at a $16.45B discount; issued $35.15B 5-year Purchase Money Note to FDIC at 3.50% interest.","Paid $500M cash to FDIC in April 2023 for value appreciation instrument granted in connection with acquisition.","Established new SVB business segment for acquired operations; Chairman cites solid financial performance and capital/liquidity."],"consensus_eps_estimate":null,"consensus_eps_actual":653.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308388,"accession_number":"0000798941-23-000023","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-05-01T23:59:59+00:00","items":["5.03","5.07","9.01"],"status":"ready","headline":"Shareholders approve doubling authorized Class A and preferred shares, add officer exculpation","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Class A common authorized shares increased from 16M to 32M; approved by 27.2M votes (common and Class B combined).","Preferred stock authorized shares increased from 10M to 20M; approved with 18.4M votes for.","Delaware officer exculpation amendment adopted with 22.9M votes for.","All 13 director nominees elected; say-on-pay approved (22.9M for); frequency set to every year.","KPMG ratified as independent auditor for 2023 with 27.5M votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327218,"accession_number":"0001193125-23-086031","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K/A","filed_at":"2023-03-31T23:59:59+00:00","items":["1.01","2.01","2.03","7.01","8.01","9.01"],"status":"ready","headline":"First Citizens acquires $110B in assets from Silicon Valley Bridge Bank; FDIC provides $70B credit line","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired ~$110B in assets ($72B loans) and assumed ~$59B liabilities ($56.5B deposits) from FDIC.","Assets acquired at a discount of ~$16.45B; deposits assumed without premium.","Issued $35B five-year note to FDIC at 3.5% interest; FDIC provided $70B line of credit.","Shared-loss agreement covers $60B of loans; FDIC reimburses 50% of losses above $5B.","FDIC exercised value appreciation instrument for $500M payment to FDIC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":1.0,"calibrated_materiality_score":1.0,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327220,"accession_number":"0001193125-23-079743","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-03-27T23:59:59+00:00","items":["1.01","2.01","2.03","7.01","8.01","9.01"],"status":"ready","headline":"First Citizens acquires Silicon Valley Bridge Bank from FDIC; $110B assets, $56B deposits","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired ~$110.1B in assets (incl. $72.1B loans) and assumed ~$56.5B deposits at no premium; assets acquired at ~$16.45B discount.","Issued $35B 5-year note to FDIC at 3.5% interest; received $70B FDIC credit facility for liquidity (SOFR + 25bps).","Shared-loss agreement covers ~$60B loans: FDIC covers 50% of losses over $5B; First Citizens may pay up to $1.5B true-up if losses low.","BancShares issued a value appreciation instrument: FDIC can receive up to $500M if FCNCA stock exceeds $582.55 (exercisable by Apr 14, 2023).","17 legacy SVB branches will operate as Silicon Valley Bank, a division of First Citizens; no assets acquired from SVB Financial Group."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":1.0,"calibrated_materiality_score":1.0,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327219,"accession_number":"0000798941-23-000010","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","5.03","7.01","8.01","9.01"],"status":"ready","headline":"First Citizens Q4 net income $243M ($16.67 EPS); adjusted EPS $20.94; NIM 3.36%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net interest income $802M (+$7M QoQ); net interest margin 3.36% (-4 bps QoQ).","Loans $70.8B (+$1.0B QoQ, 5.6% annualized); deposits $89.4B (+$1.9B QoQ, 8.4% annualized).","Provision for credit losses $79M (vs $60M Q3); net charge-offs $24M (0.14% of avg loans); nonaccrual loans 0.89% (vs 0.65% Q3).","Repurchased 472,586 shares for $398M in Q4; 1.5M shares for $1.2B in 2022; expects to resume buybacks in H2 2023.","Board amended bylaws for universal proxy rules, remote meetings, eliminated 100-share director ownership requirement; director retirement age changed to 75."],"consensus_eps_estimate":null,"consensus_eps_actual":67.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":5082000000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344939,"accession_number":"0000798941-22-000056","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-10-28T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"First Citizens BancShares appoints Eugene Flood to Board; director Daniel Heavner retires Dec 31","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Daniel Heavner, 75, retires as director of BancShares and First-Citizens Bank effective Dec 31, 2022; served since 2007.","Eugene Flood Jr., 66, appointed to the Board effective Jan 1, 2023 to fill Heavner's vacancy.","Flood will serve on BancShares' Risk Committee and FCB's Trust Committee; deemed independent under Nasdaq rules.","Flood is former CEO of Smith Breeden Associates, ex-EVP of TIAA CREF, and current director at Janus Henderson Group (NYSE: JHG).","Heavner's retirement is due to mandatory retirement policy; Flood receives standard non-employee director compensation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344938,"accession_number":"0000798941-22-000052","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-10-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q3 net income $315M, EPS $19.25; NIM expands 36 bps to 3.40%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common $303M ($19.25/sh); adjusted $326M ($20.77/sh).","Pre-provision net revenue $468M, up 23.5% QoQ; adjusted $506M, up 21.3%.","Net interest margin 3.40% (+36 bps QoQ); loans grew $2.1B to $69.8B.","Deposits fell $1.8B; borrowings up $3.9B to fund loan growth.","Share repurchases: 98.5% of 1.5M share authorization completed as of Oct 25."],"consensus_eps_estimate":null,"consensus_eps_actual":50.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361413,"accession_number":"0000798941-22-000044","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-07-28T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"First Citizens BancShares Reports Q2 2022 Earnings and Announces Share Repurchase Program","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2022 net income available to common stockholders was $238 million, or $14.86 per share.","Adjusted pre-provision net revenue increased $60 million from Q1 2022 due to net interest margin expansion and fee income growth.","Board authorized repurchase of up to 1.5 million shares of Class A common stock through July 28, 2023.","Total loans increased $2.2 billion or 13.5% annualized; deposits declined $2.3 billion or 9.9% annualized.","Merger with CIT Group substantially complete; first major customer conversion of OneWest Bank completed."],"consensus_eps_estimate":null,"consensus_eps_actual":31.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380714,"accession_number":"0000798941-22-000034","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-04-29T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"First Citizens BancShares shareholders elect all 14 directors, approve say-on-pay, ratify KPMG","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 14 director nominees elected; votes for ranged from 23.3M to 25.5M, with 3.4M broker non-votes.","Non-binding say-on-pay passed with 25.2M for, 135.9K against, 323.6K abstain.","KPMG ratification approved: 28.9M for, 13.7K against, 154.5K abstain; no broker non-votes.","Annual meeting held April 26, 2022; all proposals passed with substantial majorities."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380713,"accession_number":"0000798941-22-000025","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-04-28T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens BancShares reports Q1 2022 results; specifics not available in extracted filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release and investor presentation attached, but no financial figures are included in the provided excerpt.","Conference call scheduled for April 28, 2022 at 9:00 a.m. Eastern to discuss results.","Investor presentation includes sections on merger integration, Q1 financial highlights, balance sheet, credit quality, and outlook."],"consensus_eps_estimate":null,"consensus_eps_actual":16.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398781,"accession_number":"0000798941-22-000020","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-03-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"First Citizens BancShares provides CIT merger update presentation; no new financial metrics disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Conference call held March 24, 2022 to discuss CIT merger integration, purchase accounting, and financial outlook.","Presentation covers next era of growth, integration update, purchase accounting update, and financial outlook.","No specific financial guidance or new metrics were included in the filing text.","The company reiterated previously announced merger completion on January 3, 2022 and associated risks."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398777,"accession_number":"0001140361-22-010157","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K/A","filed_at":"2022-03-18T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"First Citizens BancShares files financial statements for CIT merger; pro forma data provided","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing amends prior 8-K to present audited financial statements of CIT and unaudited pro forma combined financials.","Pro forma data is for illustrative purposes and not indicative of future results.","No specific financial figures are provided in this summary; actual exhibits contain the full statements.","Merger with CIT completed on January 3, 2022; amendment fulfills SEC requirements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398780,"accession_number":"0001140361-22-002662","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-01-26T23:59:59+00:00","items":["2.02","5.02","5.03","7.01","9.01"],"status":"ready","headline":"First Citizens Q4 net income $123.3M, down 10.7%; CIT merger completed Jan 3","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $123.3M (-10.7% YoY); diluted EPS $12.09 vs $13.59; full-year net income $547.5M (+11.3% YoY).","Taxable-equivalent NIM 2.58%, down 44 bps YoY; provision for credit losses was net benefit of $5.1M.","Total loans $32.4B (-1.3% YoY, but +4.9% ex-SBA-PPP); deposits $51.4B (+18.4% YoY).","Completed CIT merger on Jan 3, 2022, forming top 20 U.S. bank; CIT results not included in Q4 figures.","Capital well above requirements: CET1 ratio 11.50%, Tier 1 leverage 7.59%; no share repurchases in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":53.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398779,"accession_number":"0001140361-22-002498","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-01-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens Bank to redeem ~$2.9B of senior unsecured notes on Feb 24, 2022","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Redeeming all $1.147B 5.000% notes due 2022, $750M 5.000% notes due 2023, $500M 4.750% notes due 2024, and $500M 5.250% notes due 2025.","Redemption price equals greater of par or discounted present value at Treasury yield plus 50 bps (30 bps for 2024 notes) plus accrued interest.","Redemption funded from cash on hand; CFO says move optimizes balance sheet and reduces higher debt costs from CIT merger."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398778,"accession_number":"0001140361-22-000357","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2022-01-04T23:59:59+00:00","items":["2.01","2.03","3.03","5.02","8.01","9.01"],"status":"ready","headline":"First Citizens BancShares completes acquisition of CIT Group in all-stock merger","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["CIT shareholders received 0.06200 FCNCA Class A common shares per CIT share; preferred converted to new FCNCA Series B and C.","First Citizens assumed ~$4.3B in CIT debt, including senior notes due 2022-2036 and subordinated notes.","Ellen R. Alemany (former CIT CEO) appointed Vice Chairwoman; Marisa J. Harney appointed Chief Credit Officer.","Three former CIT directors joined FCNCA board: Alemany, Michael Carpenter, Vice Admiral John Ryan.","FCNCA created two new preferred stock series: Series B (fixed-to-floating) and Series C (5.625% non-cumulative)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":1.0,"calibrated_materiality_score":1.0,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417771,"accession_number":"0000798941-21-000049","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2021-12-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens receives final Fed approval for CIT merger; close expected early Jan 2022","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Received final regulatory approval from the Federal Reserve Board for merger with CIT Group.","Merger previously approved by FDIC and NC Commissioner of Banks; closing subject to 15-day waiting period.","Combined company to be a top 20 U.S. bank by assets, operating under First Citizens name.","Merger expected to close as soon as practicable in early January 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417770,"accession_number":"0000798941-21-000043","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2021-10-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Citizens Q3 net income $124.1M, down 13% YoY; EPS $12.17 vs $14.03; NIM 2.61%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income fell to $124.1M from $142.7M YoY; diluted EPS $12.17 vs $14.03.","Net interest margin compressed 45bp to 2.61% from 3.06% YoY due to excess liquidity and lower loan yields.","Total loans ex-SBA PPP grew 5.6% annualized in Q3; deposits up 13.6% annualized linked quarter.","Provision for credit losses was a net benefit of $1.1M vs $4.0M expense YoY; ACL at 0.56% of loans.","CIT merger extended to March 1, 2022; awaiting Federal Reserve approval; no share repurchases in Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":41.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435327,"accession_number":"0000798941-21-000039","cik":798941,"company_name":"FIRST CITIZENS BANCSHARES INC /DE/","ticker":"FCNCA","form_type":"8-K","filed_at":"2021-09-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Citizens and CIT extend merger deadline to March 2022; FRB approval still pending","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Merger agreement extended from Oct 15, 2021 to March 1, 2022, to allow more time for Federal Reserve Board approval.","FRB approval is the only remaining regulatory requirement; NC Commissioner and FDIC approvals already obtained.","FRB staff has no further questions; application is at the Governor level, but no decision timeframe given.","Combined bank would be top 20 U.S. bank by assets, operating under the First Citizens name."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":22705588359.87374,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2021-09-30T23:59:59+00:00|435327"}