Net Interest Income
First Citizens BancShares Net Interest Income decreased by 5.9% to $1.62B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 2.5%, from $1.66B to $1.62B. Over 4 years (FY 2021 to FY 2025), Net Interest Income shows an upward trend with a 48.8% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase indicates improved net interest margins or asset growth, while a decrease suggests margin compression or declining loan demand.
Detailed definition
This is the difference between the interest earned on assets and the interest paid on liabilities, representing the core...
Peer comparison
The primary profitability metric for all commercial and retail banks.
net_interest_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $346.00M | $347.00M | $357.00M | $649.00M | $700.00M | $795.00M | $802.00M | $850.00M | $1.96B | $1.99B | $1.91B | $1.82B | $1.82B | $1.80B | $1.71B | $1.66B | $1.70B | $1.73B | $1.72B | $1.62B |
| QoQ Change | — | +0.3% | +2.9% | +81.8% | +7.9% | +13.6% | +0.9% | +6.0% | +130.7% | +1.5% | -4.0% | -4.9% | +0.2% | -1.4% | -4.8% | -2.7% | +1.9% | +2.3% | -0.7% | -5.9% |
| YoY Change | — | — | — | — | +102.3% | +129.1% | +124.6% | +31.0% | +180.1% | +150.3% | +138.3% | +113.8% | -7.1% | -9.7% | -10.6% | -8.5% | -6.9% | -3.5% | +0.8% | -2.5% |
Business Segments
| Segment | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| General Bank | $730.00M | $760.00M | $777.00M | $788.00M | $824.00M | $846.00M | $841.00M | $813.00M |
| Commercial Bank | $311.00M | $305.00M | $2.49B | $786.00M | $299.00M | $303.00M | $2.31B | $802.00M |
| Rail | -$45.00M | -$48.00M | -$50.00M | -$52.00M | -$53.00M | -$55.00M | -$53.00M | -$58.00M |
| SVB Commercial | $553.00M | $560.00M | $638.00M | $493.00M | $490.00M | $493.00M | — | — |
| Total | $1.82B | $1.80B | $1.71B | $1.66B | $1.70B | $1.73B | $1.72B | $1.62B |
SVB Commercial was previously reported and has since been discontinued or reclassified. Only currently active segments are shown in the chart.
Net Interest Income at Other Companies
Frequently Asked Questions
- What is First Citizens BancShares's net interest income?
- First Citizens BancShares (FCNCA) reported net interest income of $1.62B in Q1 2026.
- How has First Citizens BancShares's net interest income changed year-over-year?
- First Citizens BancShares's net interest income decreased by 2.5% year-over-year, from $1.66B to $1.62B.
- What is the long-term trend for First Citizens BancShares's net interest income?
- Over 4 years (2021 to 2025), First Citizens BancShares's net interest income has grown at a 48.8% compound annual growth rate (CAGR), from $1.39B to $6.81B.
- What does net interest income mean?
- The profit a bank makes from its interest-earning assets after paying interest on its deposits and debt.