{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-26-000027","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2026-07-23T10:32:01+00:00","discovered_at":"2026-07-23T10:35:00.267850+00:00","generated_at":"2026-07-23T10:35:13.594758+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"medium","headline":"First Citizens Q2 earnings beat expectations; $600M buybacks, $2.5B debt prepay","bullets":["CEO says return metrics surpassed expectations and Q1; $600M returned via share repurchases in Q2.","Prepaid $2.5B of Purchase Money Note to optimize balance sheet.","BMO branch acquisition expected to close in Q3 2026; assumes ~$5.3B deposits, ~$700M loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-26-000027","json":"https://secwatch.observer/filing/0000798941-26-000027.json","markdown":"https://secwatch.observer/filing/0000798941-26-000027.md","text":"https://secwatch.observer/filing/0000798941-26-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894126000027/0000798941-26-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894126000027/fcnca-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T10:35:13.594758+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"}