Business Context and Reporting Period
Company: First Citizens BancShares, Inc.
Filing Type: Form 8-K (Current Report)
Report Date: January 23, 2026
Reporting Period: Quarter ended December 31, 2025
This filing announces the results of operations for the fourth quarter of 2025. Detailed financial data is contained in the press release (Exhibit 99.1) and financial supplement (Exhibit 99.3) incorporated by reference, which are not included in the text of this 8-K.
Key Financial Metrics
The provided text does not contain specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These metrics are referenced as being available in the attached exhibits (99.1 and 99.3) and on the company's investor relations website.
Material Changes
No specific material changes in financial condition or operations are detailed in the text of this filing. The filing serves as a notification that results have been announced and directs investors to the exhibits for comparative data.
Guidance, Outlook, and Risks
Management Commentary: A conference call to discuss the Q4 2025 results was held on January 23, 2026. Presentation slides are included as Exhibit 99.2.
Forward-Looking Statements: The filing includes standard disclaimers regarding future performance, noting that actual results may differ due to various risks.
Key Risks and Contingencies:
- Economic and Geopolitical: Tariffs, trade barriers, U.S. government shutdowns, and conflicts in Ukraine, the Middle East, and Latin America.
- Banking Sector: Volatility from previous or future bank failures and competitive pressures.
- Regulatory: Federal Reserve interest rate decisions, FDIC special assessments, and changes in capital requirements.
- Operational: Cyberattacks, information security breaches, and inflationary environments.
- Acquisitions: Risks associated with the pending acquisition of 138 branches from BMO Bank N.A. and previous transactions.
Investor Verification Checklist
- Review Exhibit 99.1 (Earnings Release) and Exhibit 99.3 (Financial Supplement) for specific Q4 2025 revenue, earnings per share, and balance sheet figures.
- Verify the status and integration timeline of the pending acquisition of 138 branches from BMO Bank N.A.
- Assess the impact of FDIC special assessments and regulatory capital changes on future liquidity.
- Monitor interest rate decisions by the Federal Reserve and their effect on the company's net interest margin.
- Check the company's website (http://www.ir.firstcitizens.com) for the full investor presentation slides referenced in Exhibit 99.2.