{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-26-000010","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2026-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.725103+00:00","generated_at":"2026-05-16T08:37:17.696167+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"FCNCA Q4 adjusted EPS $51.27 vs $45.10 yoy; $900M share repurchases, $2.5B note prepaid","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-26-000010","json":"https://secwatch.observer/filing/0000798941-26-000010.json","markdown":"https://secwatch.observer/filing/0000798941-26-000010.md","text":"https://secwatch.observer/filing/0000798941-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894126000010/0000798941-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894126000010/fcnca-20260123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:37:17.696167+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"}