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First Citizens BancShares FCNCA Commercial Bank — Interest Income (Expense), Operating

Other segment segments

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Other financials

Income statement

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Revenue$2.3B+0.7%
Net income$534.0M+10.6%
EPS (diluted)$42.63+23.7%

Balance sheet

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Cash & equivalents$1.1B+33.0%
Total debt$34.5B-12.0%
Total equity$22.0B-1.1%
Total assets$235.96B+3.1%

Cash flow

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Operating cash flow$172.0M+75.5%
CapEx$141.0M+36.9%
Free cash flow$31.0M+720%

Valuation

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Market cap$24.11B-7.3%
Enterprise value$57.55B-10.3%
P/E10.7×-0.2×
P/S2.5×-0.2×

Profitability

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Net margin23.6%-2.7pp
FCF margin23.5%+0.8pp

Returns & leverage

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Return on equity10.2%-1.3pp
Debt / equity1.6×-0.2×

Where this comes from

Reported directly by First Citizens BancShares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: First Citizens BancShares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Citizens BancShares's commercial bank — interest income (expense), operating?
First Citizens BancShares (FCNCA) reported commercial bank — interest income (expense), operating of $802M in Q1 2026.
How has First Citizens BancShares's commercial bank — interest income (expense), operating changed year-over-year?
First Citizens BancShares's commercial bank — interest income (expense), operating increased by 2.0% year-over-year, from $786M to $802M.
What is the long-term trend for First Citizens BancShares's commercial bank — interest income (expense), operating?
Over 3 years (2022 to 2025), First Citizens BancShares's commercial bank — interest income (expense), operating has grown at a 61.1% compound annual growth rate (CAGR), from $884M to $3.7B.
What does commercial bank — interest income (expense), operating mean?
This represents the net interest income or expense generated specifically by the commercial banking segment's core lending and deposit-taking activities. It reflects the spread between interest earned on commercial loans and interest paid on commercial deposits. This is a primary indicator of the segment's core profitability and interest rate sensitivity.