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First Citizens BancShares Balance Sheet Statement

Assets, liabilities, and shareholders' equity

First Citizens BancShares holds $235.96B in total assets. Shareholders' equity is $22.0B against $34.5B in total debt. Cash and equivalents total $1.1B. Based on the Q1 2026 filing.

Total Assets$235.96BTotal Stockholders Equity$22.0BLong Term Debt$34.0BCash And Equivalents$1.1B
Latest FilingQ1 2026
Report Date2026-05-08
Market Cap$24.5B
P/E Ratio10.87
ROE10.18%

Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Accrued Contingent Liabilities—$10M$10M$20M—$25M
Accrued interest$177M$178M$175M$172M$157M$184M
Federal funds purchased and securities sold under repurchase agreements$367M$450M$471M$423M$224M$170M
Current portion of long-term debt$367M$450M$471M$423M$224M$170M
Derivative Liabilities - Fair Value$0$0$0$0$0$0
Derivative Liabilities, Gross$625M$541M$631M$520M$494M$448M
Derivative Liabilities - Not Offset Policy Election Deduction$625M$541M$631M$520M$494M$448M
Deposits$155.2B$159.3B$159.9B$163.2B$161.6B$170.8B
Noninterest-bearing deposits$38.6B$40.8B$40.9B$42.8B$40.7B$43.6B
Derivative liabilities$0$0$0$0$0$0
Lending commitments held for investment - individually evaluated$55M$6M$13M$17M$60M$19M
Operating lease liabilities, current$357M$340M$356M$342M$329M$317M
Repurchase Agreements - Gross$367M$450M$471M$423M$224M$170M
Short-term borrowings$367M$450M$471M$423M$224M$170M

Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Available-for-Sale Debt Securities - Amortized Cost$34.5B$34.3B$33.4B$35.2B$32B$33.7B
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)$5.1B$5.5B$6.3B$9.3B$4.9B$6.4B
Available-for-Sale Debt Securities - Fair Value (Maturing Within 1 Year)$419M$443M$463M$500M$303M$364M
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)—476.00458.00461.00—300.00
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)$6.4B$5.9B$5.4B$5.2B$4.6B$4.3B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value$12.5B$2.9B$2.2B$1B$1.7B$7.7B
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)$12.5B$2.9B$2.2B$1B$1.7B$7.7B
Available-for-Sale Debt Securities - Unrealized Loss Position$843M$660M$593M$541M$503M$548M
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value$6.4B$5.9B$5.4B$5.2B$4.6B$4.3B
AFS and Trading Securities - Unrealized Loss Position Fair Value$18.9B$8.8B$7.6B$6.2B$6.3B$12B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value$12.5B$2.9B$2.2B$1B$1.7B$7.7B
Assets held for sale$85M———$804M$1.1B
Federal funds sold and securities purchased under resale agreements$158M$345M$300M$83M$232M$223M
Cash and cash equivalents$814M$812M$889M$874M$801M$1.1B
Cash, Cash Equivalents, and Marketable Securities$18.9B$8.8B$7.6B$6.2B$6.3B$12B
Current Equity Amortized Cost$79M$78M$78M$78M$83M$83M
Derivative Assets - Fair Value$660M$553M$626M$570M$534M$498M
Equity Securities (FV-NI) - Cost Basis$79M$78M$78M$78M$83M$83M
Accrued investment income$603M$601M$605M$637M$635M$639M
Derivative assets$660M$553M$626M$570M$534M$498M
Interest-bearing deposits in banks and other financial institutions$21.4B$24.7B$26.2B$24.8B$19.8B$23.2B
Trading assets$5.1B$5.5B$6.3B$9.3B$4.9B$6.4B
Interest Receivable - Loans$603M$601M$605M$637M$635M$639M
Net Cash Collateral Received - Derivative Instruments$2M$18M$108M$75M$62M$4M

Non-Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)$8.9B$7.7B$6B$4.6B$5.9B$6.2B
Allowance for credit losses$1.7B$1.7B$1.7B$1.7B$1.6B$1.6B
Gross loans$140.2B$141.4B$141.3B$144.8B$147.9B$148.7B
Loans 90+ Days Past Due$0$0$0$0$0$0
Deferred tax assets$133M-$40M-$34M-$30M-$7M$8M
Equity Amortized Cost$79M$78M$78M$78M$83M$83M
Available-for-sale securities$33.8B$7.8B$6.1B$4.7B$5.9B$6.2B
Held-to-maturity securities$10.2B$450M$467M$505M$307M$369M
Total investment securities$42.6B$43B$42B$43.9B$40.4B$41.8B
Total investments$9.3B$9.4B$9.5B$9.4B$9.6B$9.7B
Foreclosed Assets$64M$105M$103M$98M$124M$116M
Goodwill$346M$346M$346M$346M$346M$346M
Held-to-Maturity Debt Securities - Fair Value$468M$483M$345M$116M$107M$0
Held-to-Maturity Debt Securities - Maturing 1 to 5 Years$1.2B$1.2B$1.4B$1.4B$1.4B$1.4B
Held-to-Maturity Debt Securities - Maturing 5 to 10 Years$468M$483M$345M$116M$107M$0
Held-to-Maturity Debt Securities - Nonaccrual$0$0$0$0$0$0
Equity securities$101M$95M$97M$110M$127M$130M
Intangible assets, net$249M$234M$221M$208M$195M$182M
Investments - Cost Basis$79M$78M$78M$78M$83M$83M
Long-term investments—$44.3B———$43B
Net Investment in Lease$9.3B$9.4B$9.5B$9.4B$9.6B$9.7B
Cash and Due from Banks$814M$812M$889M$874M$801M$1.1B
Private debt held-for-investment, at amortized cost, net of valuation allowance &#8211; $3 and $4$138.5B$139.7B$139.6B$143.1B$146.4B$147.1B
Other intangible assets&#8212;net$249M$234M$221M$208M$195M$182M
Interest-Bearing Deposits in Banks and Other Financial Institutions$21.4B$24.7B$26.2B$24.8B$19.8B$23.2B
Investments—$44.3B———$43B
Operating lease right-of-use assets$316M$300M$318M$305M$294M$285M
Other Assets$6.7B$6.8B$7.1B$7.1B$7.5B$7.5B
Property, plant and equipment, net$2B$2B$2.1B$2.3B$2.4B$2.5B
Operating lease right-of-use assets2.9%2.9%3.0%3.1%3.1%3.1%
Operating Lease Right-of-Use Assets in Other Assets$316M$300M$318M$305M$294M$285M
Other non-current assets$6.7B$6.8B$7.1B$7.1B$7.5B$7.5B
Property and equipment, net$2B$2B$2.1B$2.3B$2.4B$2.5B
Total assets$223.7B$228.8B$229.7B$233.5B$229.7B$236B

Equity

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss$762M$646M$586M$539M$500M$506M
Accumulated other comprehensive income (loss)-$445M-$199M-$114M-$44M$83M-$72M
Convertible Preferred Stock Authorized Shares20M20M20M20M20M20M
Cumulative Gross Losses and Impairments$1.5B$1.4B$1.3B$1.2B$1.2B$1.2B
Cumulative Gross Unrealized Gains$2M$17M$19M$28M$32M$21M
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding$881M$881M$881M$881M$1.4B$1.8B
Investments - Gross Unrealized Losses$18.9B$8.8B$7.6B$6.2B$6.3B$12B
Preferred stock$881M$881M$881M$881M$1.4B$1.8B
Preferred Stock Par Value Per Share$0.01$0.01$0.01$0.01$0.01$0.01
Retained earnings$19.4B$19.8B$20.3B$20.9B$20.8B$20.3B
Total liabilities and stockholders' equity$223.7B$228.8B$229.7B$233.5B$229.7B$236B
Total stockholders' equity$22.2B$22.3B$22.3B$22B$22.2B$22B
Unrealized Gains on Investments$81M$220M$272M$317M$341M$199M
Unrealized Losses on Investments (Before Tax)$843M$660M$593M$541M$503M$548M

Other

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Nonperforming Loans and Leases Percentage$0$0$0$0$0$0
Cumulative Cost Basis$79M$78M$78M$78M$83M$83M
Fair Value Measurement Disclosure$0$0$0$0$0$0
Gross Assets/Liabilities$625M$541M$631M$520M$494M$448M
Off-Balance Sheet Commitments (Contractual)$55M$6M$13M$17M$60M$19M
AOCI before Tax, Attributable to Parent-$575M-$244M-$130M-$35M$134M-$74M
Securities sold under agreements to repurchase, interest rate0.6%0.5%0.5%0.5%0.4%0.3%
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax$843M$660M$593M$541M$503M$548M
Gross Unrealized Gains$81M$220M$272M$317M$341M$199M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10$346M$353M$153M$78M$23M$16M
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10$330M$338M$145M$74M$20M$14M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five$8.9B$7.7B$6B$4.6B$5.9B$6.2B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five$8.9B$7.8B$6.1B$4.7B$5.9B$6.2B
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10$22M$22M$17M$17M$12M$12M
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10$22M$22M$17M$17M$12M$12M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One$5.1B$5.5B$6.3B$9.3B$4.9B$6.4B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One$5.1B$5.5B$6.3B$9.3B$4.9B$6.4B
Cost or Amortized Cost$34.5B$34.3B$33.4B$35.2B$32B$33.7B
Available-for-sale securities, allowance for credit loss—$0$0$0—$0
Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, after Allowance for Credit Loss$34.5B$34.3B$33.4B$35.2B$32B$33.7B
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss$762M$646M$586M$539M$500M$506M
Less than 12 months$12.5B$2.9B$2.2B$1B$1.7B$7.7B
12 months or more$6.4B$5.9B$5.4B$5.2B$4.6B$4.3B
Number of Securities, Greater than 12 months—$476$458$461—$300
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss$81M$14M$7M$2M$3M$42M
Estimated Fair Value$33.8B$33.9B$33.1B$35B$31.8B$33.3B
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss$843M$660M$593M$541M$503M$548M
Debt Securities, Available-for-Sale, Unrealized Loss Position$18.9B$8.8B$7.6B$6.2B$6.3B$12B
Accrued Interest, held-to-maturity$20M$19M$20M$19M$20M$18M
Debt Securities, Held-to-Maturity, Amortized Cost Excluding Accrued Interest, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date$429M$450M$467M$505M$307M$369M
Held-to-maturity securities, fair value$10.2B$10.3B$10.2B$10.1B$9.6B$9.5B
Deferred purchase agreement, borrowings by client$166M$145M$176M$241M$211M$152M
Deferred purchase agreement, line of credit facility, maximum borrowing capacity$59M$36M$42M$37M$13M$4M
Deferred purchase agreement, receivables with credit risk$1.7B$1.6B$1.4B$1.8B$1.7B$1.6B
Depositary shares, shares issued, value—————$400M
Derivative Asset, Subject to Master Netting Arrangement, Liability Offset$0$0$0$0$0$0
Derivative Asset Subject To Master Netting Arrangement Deduction$48M$103M$146M$116M$118M$100M
Total net derivative fair value$73M$122M$258M$236M$212M$132M
Derivative Liability$625M$541M$631M$520M$494M$448M
Derivative Liabilities, At Fair Value, Net$575M$420M$377M$329M$314M$344M
Derivative Liability, Subject to Master Netting Arrangement, Asset Offset$0$0$0$0$0$0
Amounts subject to master netting agreements$48M$103M$146M$116M$118M$100M
Cost$79M$78M$78M$78M$83M$83M
Gross Unrealized Gains$27M$21M$24M$33M$44M$47M
Equity Securities FV-NI, Accumulated Gross Unrealized Loss, before Tax$5M$4M$5M$1M$0$0
Finance Lease, Liability, Net$15M$36M$63M$67M$72M$73M
Finance Lease, Right-of-Use Asset, after Accumulated Amortization$15M$35M$60M$67M$71M$71M
Total loans and leases$139B$140.2B$140B$143.4B$146.6B$147.3B
Loans modified after 12 months—$750M$837M$989M—$1.1B
Financing Receivable, Excluding Accrued Interest, Nonaccrual$1.2B$1.2B$1.3B$1.4B$1.3B$1.4B
Financing receivable, nonaccrual without allowance for credit loss$303M$419M$362M$411M$415M$343M
Financing receivable, unamortized purchase discount$1.6B$1.5B$1.5B$1.4B$1.3B$1.3B
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss$1.5B$1.4B$1.3B$1.2B$1.2B$1.2B
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain$2M$17M$19M$28M$32M$21M
5-10 years$546M$547M$386M$128M$119M$0
1-5 years$1.3B$1.3B$1.4B$1.5B$1.4B$1.5B
Minimum deposit$211M$213M$212M$212M$212M$194M
Investments, Accumulated Unrecognized Gain$110M$258M$315M$378M$417M$267M
Investments, Accumulated Unrecognized Loss$2.4B$2B$1.9B$1.8B$1.7B$1.8B
Investments, Amortized Cost$44.8B$44.7B$43.6B$45.3B$41.7B$43.3B
Investments Fair Value Disclosure$42.6B$43B$42B$43.9B$40.4B$41.8B
Lessee, Liability$372M$376M$419M$409M$401M$390M
Lessee, Right-of-Use Asset$331M$335M$378M$372M$365M$356M
Unused credit available$55M$6M$13M$17M$60M$19M
Long-Term Debt and Lease Obligation$36.7B$38B$37.6B$38.3B$35.8B$33.8B
Amount by which unaccrued maximum of estimated range exceeds minimum—$10M$10M$20M—$25M
Off-Balance-Sheet, Credit Loss, Liability————$260M$228M
Operating Lease Weighted Average Discount Rate Percent$0$0$0$0$0$0
Preferred Stock, Par or Stated Value Per Share$0$0$0$0$0$0
Preferred Stock, Shares Authorized$20M$20M$20M$20M$20M$20M
Weighted-Average Discount Rate4.0%4.3%4.3%4.2%4.2%4.2%
Weighted-Average Discount Rate - Finance Leases$0$0$0$0$0$0

Non-Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Debt Maturity - 1 to 5 Years$1.3B$1.3B$1.4B$1.5B$1.4B$1.5B
Debt Maturity - 5 to 10 Years$330M$338M$145M$74M$20M$14M
Debt Maturity - Over 10 Years$22M$22M$17M$17M$12M$12M
Finance lease liabilities$15M$36M$63M$67M$72M$73M
Finance Lease Liabilities (Total)$15M$36M$63M$67M$72M$73M
Long-term debt$37.1B$38.4B$38.1B$38.7B$36B$34B
Long-Term Debt and Finance Lease Obligations$36.7B$38B$37.6B$38.3B$35.8B$33.8B
Interest-Bearing Deposit Liabilities$116.6B$118.6B$119.1B$120.4B$120.9B$127.2B
Credit balances of factoring clients$1B$1.1B$1.1B$1.3B$1.1B$1.3B
Operating Lease Liabilities (Total)$357M$340M$356M$342M$329M$317M
Other non-current liabilities$8.2B$7.7B$8.2B$8.3B$8.7B$7.8B
Secured Borrowings Cash Right to Reclaim$2M$18M$108M$75M$62M$4M
Total liabilities$201.5B$206.5B$207.4B$211.5B$207.5B$213.9B