---
schema_version: "secwatch.filing_event.v1"
accession: "0000798941-25-000003"
form_type: "8-K"
ticker: "FCNCA"
cik: "0000798941"
company_name: "FIRST CITIZENS BANCSHARES INC /DE/"
filed_at: "2025-01-24T23:59:59+00:00"
generated_at: "2026-05-27T12:31:45.523198+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Citizens Q4 net income $700M, EPS $49.21; repurchased $963M in stock

## Summary
- 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.

## SEC filing metadata
- accession: 0000798941-25-000003
- form_type: 8-K
- ticker: FCNCA
- cik: 0000798941
- company_name: FIRST CITIZENS BANCSHARES INC /DE/
- filed_at: 2025-01-24T23:59:59+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/798941/000079894125000003/0000798941-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/798941/000079894125000003/fcnca-20250124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000798941-25-000003
- JSON: https://secwatch.observer/filing/0000798941-25-000003.json
- Plain text: https://secwatch.observer/filing/0000798941-25-000003.txt

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