Friday 6 November 2026 Export FCNCA’s income statement to Excel — free account

First Citizens BancShares, Inc.

First Citizens BancShares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $14.5 billion, down 3.09% from fiscal 2024.

Revenue: +0.11%
EPS: +31.1%
Free cash flow: +28.7%
Total debt: −14.9%

Quarter to June 2026, against a year earlier

2,306.71 25.14 −1.08%

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Market cap: $25.5B
P/E: 12.3×
Fwd P/E: 11.9×
Dividend yield: 0.36%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

First Citizens BancShares, Inc. (FCNCA) revenue by segment, product and region

Revenue by segment $m

Line	FY2025
Commercial Bank	4,330 45.38%
General Bank	3,963 41.54%
Rail	680 7.13%
Other, not broken out	568 5.95%
Revenue	9,541

Operating figures as reported in each quarter’s results release or filing

Figure	Quarter	Latest	A year before	Change
Allowance for loan and lease losses to total loans	Q3 FY2026	0.91%	1.14%	—
Common equity Tier 1 risk-based capital ratio	Q3 FY2026	10.2%	11.7%	—
Cost of average total deposits	Q3 FY2026	2.16%	2.25%	—
Deposits as a percentage of total funding	Q3 FY2026	88.3%	80.8%	—
Net charge-offs	Q3 FY2026	$103.0M	$234.0M	−55.98%
Net charge-offs to average loans	Q3 FY2026	0.27%	0.65%	—
Nonaccrual loans	Q3 FY2026	$1.4B	$1.4B	−2.84%
Nonaccrual loans to loans	Q3 FY2026	0.87%	0.97%	—
Noninterest-bearing deposits as a percentage of total deposits	Q3 FY2026	22.9%	26.2%	—
Rate paid on average interest-bearing liabilities	Q3 FY2026	3.01%	3.16%	—
Tier 1 leverage ratio	Q3 FY2026	9.00%	9.34%	—
Tier 1 risk-based capital ratio	Q3 FY2026	11.3%	12.2%	—
Total risk-based capital ratio	Q3 FY2026	12.9%	14.1%	—
Yield on interest-earning assets	Q3 FY2026	5.36%	5.64%	—

	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025	Q4 FY2024	Q3 FY2024	Q2 FY2024	Q1 FY2024	Q4 FY2023
Allowance for loan and lease losses to total loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Common equity Tier 1 risk-based capital ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Cost of average total deposits	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Deposits as a percentage of total funding	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Net charge-offs	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Net charge-offs to average loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonaccrual loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonaccrual loans to loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Noninterest-bearing deposits as a percentage of total deposits	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Rate paid on average interest-bearing liabilities	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Tier 1 leverage ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Tier 1 risk-based capital ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Total risk-based capital ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Yield on interest-earning assets	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡

As each company reports them in its 10-K and 10-Q filings, in US dollars. Where a later filing recast a year's segments, the year is shown as recast; a period whose breakdown does not add up to the company's revenue is left out.

First Citizens BancShares, Inc. (FCNCA) revenue by segment, product and region

Revenue by segment $m

Operating figures as reported in each quarter’s results release or filing

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