First Citizens BancShares, Inc. FCNCA
Latest 10-Q
What changed in First Citizens BancShares, Inc.'s latest quarterly report, compared with the one before.
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Insider trades
Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.
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13F holders
Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.
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Trades by members of Congress
Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.
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Executive-branch trades
1 tradeTrades in First Citizens BancShares, Inc. reported by the President, Cabinet members and other senior executive-branch officials. Amounts are ranges.Form 278-T is the periodic transaction report that senior executive-branch officials file with the Office of Government Ethics. They must report each trade over $1,000 within 30 days of being notified of it, and no later than 45 days after the trade. Amounts are ranges, not exact figures.
| Official | AssetThe form has no ticker column. The asset is shown as the filer wrote it. We add a ticker link only when we could match the asset to a listed company. | Type | Traded | AmountThe form asks for a range, such as $1,001 - $15,000, not an exact amount. A line can be left blank when the filer's note says the amount was not more than $1,000. | Filed | Report |
|---|---|---|---|---|---|---|
| Lori M Chavez-Deremer Secretary of Labor, Department of Labor | FIRST CITIZENS BANCSHS INC | Sale | Apr 28, 2025 | $1,001 - $15,000 | Jul 2, 2025 | OGE Form 278-T ↗ |
Lobbying
What First Citizens BancShares, Inc. and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.
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Lobbying and contracts
What First Citizens BancShares, Inc. reported spending on lobbying next to the federal contracts it was awarded, by year.Lobbying: each report counts once. If a report was amended, only the newest version counts. Totals use the company's own report when it files one (it includes payments to hired firms); otherwise the hired firms' reported income. Registrations and reports with no amount are not counted. A firm that hands part of its work to another firm may report the same money as that other firm does; the filings do not allow us to tell. Contracts: each award is counted once, for the company that received it (or its listed parent when only the parent is matched), in the year of its first obligation. The amount is the total obligated to date, so a later increase is counted in the year the award began. Only awards of $1 million or more are collected. Agencies: the offices named on lobbying reports and the awarding agencies of contracts are matched to one department name (the Army, Navy and Air Force count as the Department of Defense; NIH, FDA and CMS as Health and Human Services). An agency is listed under both when the company lobbied it and was awarded a contract by it in the same period. Offices outside this list, and Congress, are not counted as agencies.
| Year | Lobbying | Reports | Top issues | Agencies lobbied | Contracts | Awards | Awarding agencies | PAC giftsGifts by the company's PAC to candidates for Congress. They come from donations to the PAC, not from the company's own funds. | Lobbied and awarding |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | — | — | — | — | — | — | $17.5K | — |
Agencies both lobbied and awarding contracts
No agency appears on both sides in the last 12 months.
Lobbying and contract awards are reported separately; showing them together does not mean one caused the other.
Bank financials at First Citizens BancShares, Inc.
Q2 2026Deposits, loans past due, charge-offs and capital of the banks First Citizens BancShares, Inc. owns, from FDIC call reports
US bank subsidiaries Q2 2026: $236B in assets, $174B in deposits (37.2% uninsured), commercial real estate 25.7% of loans, common equity Tier 1 ratio 12.4%. 1 bank: FIRST-CITIZENS BANK&TRUST CO.
Last 8 quarters
| Quarter | AssetsTotal assets of the company's US bank subsidiaries at the end of the quarter. | DepositsDomestic and foreign deposits of the banks at the end of the quarter. | UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices. | CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans. | Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately. | NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans. | Charge-offsThe quarter's net charge-offs times four, over period-end loans. | CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first. |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $236B | $174B | 37.18% | 25.68% | 0.51% | 0.96% | 0.29% | 12.41% |
| Q1 2026 | $236B | $171B | 38.02% | 26.16% | 0.63% | 0.95% | 0.30% | 12.59% |
| Q4 2025 | $229B | $162B | 38.02% | 26.24% | 0.78% | 0.89% | 0.39% | 12.55% |
| Q3 2025 | $233B | $164B | 37.63% | 26.55% | 0.62% | 0.97% | 0.65% | 12.35% |
| Q2 2025 | $229B | $160B | 36.75% | 27.20% | 0.52% | 0.95% | 0.34% | 12.85% |
| Q1 2025 | $229B | $160B | 37.76% | 27.11% | 0.73% | 0.87% | 0.41% | 13.16% |
| Q4 2024 | $224B | $156B | 37.80% | 26.99% | 0.54% | 0.84% | 0.46% | 13.34% |
| Q3 2024 | $220B | $152B | 38.15% | 26.71% | 0.43% | 0.90% | 0.41% | 13.26% |
By loan type, Q2 2026
| Loan type | Loans | Past dueLoans 30 or more days past due and still accruing, as a percent of that loan type. | Nonaccrual | Charge-offsThe quarter's net charge-offs times four, as a percent of that loan type. |
|---|---|---|---|---|
| 1-4 family mortgages | $24.5B | 0.78% | 0.94% | -0.02% |
| Commercial real estate | $38.8B | 0.72% | 1.66% | 0.27% |
| Commercial and industrial | $35.9B | 0.49% | 1.37% | 0.78% |
| Credit cards | $283M | 1.77% | 0.00% | 4.24% |
| Auto loans | $1.3B | 1.03% | 0.79% | 0.63% |
| Other consumer | $414M | 0.72% | 0.24% | 0.97% |
Against Q2 2025: uninsured share +0.43 pp; commercial real estate share of loans -1.52 pp; past due, credit cards -0.29 pp; past due, commercial real estate -0.04 pp; card charge-offs +1.50 pp.
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.
Consumer complaints at First Citizens BancShares, Inc.
Jul–Sep 2026Complaints to the CFPB about First Citizens BancShares, Inc.: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 81 complaints. 100% were answered in time; 5% of the 81 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Checking or savings account | 62 | 77% | 31 | — | 100% | 3% |
| Mortgage | 7 | 9% | 2 | — | 100% | 0% |
| Credit card | 5 | 6% | 0 | — | 100% | 20% |
| Money transfer, virtual currency, or money service | 5 | 6% | 3 | — | 100% | 20% |
| Credit reporting or other personal consumer reports | 1 | 1% | 5 | — | 100% | 0% |
| Vehicle loan or lease | 1 | 1% | 4 | — | 100% | 0% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Managing an account Checking or savings account | 29 | 17 |
| Opening an account Checking or savings account | 13 | 2 |
| Problem caused by your funds being low Checking or savings account | 8 | 3 |
| Closing an account Checking or savings account | 7 | 5 |
| Problem with a lender or other company charging your account Checking or savings account | 5 | 4 |
| Trouble during payment process Mortgage | 5 | 2 |
| Fraud or scam Money transfer, virtual currency, or money service | 3 | 2 |
| Other transaction problem Money transfer, virtual currency, or money service | 2 | 1 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Lender stress at First Citizens BancShares, Inc.
Card, bank and complaint records for this lender, side by side
First Citizens BancShares, Inc. has bank card and auto delinquencies (FDIC), complaints (CFPB). The page shows them next to each other; each keeps its own source and date.
First Citizens BancShares, Inc. on Lender stress · All lenders
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Institutional ownership over time
How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.
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More filings and data
Each opens the table.
About the company
The basics from the company’s SEC registration.
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Adjusted for stock splits; not for dividends. Where prices come from.
Live chart
Intraday and historical prices from TradingView. Quotes may be delayed.
Information, not investment advice. Company matching is automatic; check the source before relying on one row.