{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-25-000047","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.202130+00:00","generated_at":"2026-05-17T02:38:01.265035+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Citizens Q3 diluted EPS $43.08 (adjusted $44.62); net income $568M; BMO branch acquisition announced","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-25-000047","json":"https://secwatch.observer/filing/0000798941-25-000047.json","markdown":"https://secwatch.observer/filing/0000798941-25-000047.md","text":"https://secwatch.observer/filing/0000798941-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894125000047/0000798941-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894125000047/fcnca-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:38:01.265035+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}