---
schema_version: "secwatch.filing_event.v1"
accession: "0000798941-22-000052"
form_type: "8-K"
ticker: "FCNCA"
cik: "0000798941"
company_name: "FIRST CITIZENS BANCSHARES INC /DE/"
filed_at: "2022-10-27T23:59:59+00:00"
generated_at: "2026-06-23T00:33:15.609953+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Citizens Q3 net income $315M, EPS $19.25; NIM expands 36 bps to 3.40%

## Summary
- 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.

## SEC filing metadata
- accession: 0000798941-22-000052
- form_type: 8-K
- ticker: FCNCA
- cik: 0000798941
- company_name: FIRST CITIZENS BANCSHARES INC /DE/
- filed_at: 2022-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/798941/000079894122000052/0000798941-22-000052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/798941/000079894122000052/fcnca-20221027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000798941-22-000052
- JSON: https://secwatch.observer/filing/0000798941-22-000052.json
- Plain text: https://secwatch.observer/filing/0000798941-22-000052.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.