What does rail — provision for credit losses mean?

The amount of earnings set aside to cover potential future losses from loans or leases within the rail segment that may not be repaid. This reflects the bank's assessment of credit risk associated with its rail equipment financing portfolio.

First Citizens BancShares FCNCA Rail — Provision for Credit Losses

Other segment segments

Commercial Bank

$55M-49.1%

General Bank

$17M-63.0%

Similar metrics at other companies

CLBKProvision for Credit Losses

$0—

PNCRetail Banking — Provision for Credit Losses

$124M-26.2%

WASHBanking — Provision for Credit Losses

$4M+233%

NEWTBanking — Provision for Credit Losses

$9.61M-28.9%

SBC

SBCFProvision for Credit Losses

$761K-91.8%

EVRProvision for Credit Losses

-$97K-104%

Other financials

Income statement

See full

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 fcnca:CreditLossExpenseReversal.

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 rail — provision for credit losses?: First Citizens BancShares (FCNCA) reported rail — provision for credit losses of $0 in Q1 2026.
What does rail — provision for credit losses mean?: The amount of earnings set aside to cover potential future losses from loans or leases within the rail segment that may not be repaid. This reflects the bank's assessment of credit risk associated with its rail equipment financing portfolio.