Question 1

What is First Citizens BancShares's occupancy and equipment?

Accepted Answer

First Citizens BancShares (FCNCA) reported occupancy and equipment of $59M in Q2 2026.

Question 2

How has First Citizens BancShares's occupancy and equipment changed year-over-year?

Accepted Answer

First Citizens BancShares's occupancy and equipment decreased by 3.3% year-over-year, from $61M to $59M.

Question 3

What is the long-term trend for First Citizens BancShares's occupancy and equipment?

Accepted Answer

Over 4 years (2021 to 2025), First Citizens BancShares's occupancy and equipment has grown at a 19.4% compound annual growth rate (CAGR), from $117M to $238M.

Question 4

What does occupancy and equipment mean?

Accepted Answer

Costs for office and branch facilities (rent, utilities, maintenance) and equipment (depreciation, repairs, technology hardware) used in operations.

dollars in millions, except share and per share data	Three Months Ended June 30, 2026	Three Months Ended June 30, 2025	Six Months Ended June 30, 2026	Six Months Ended June 30, 2025
Depreciation on operating lease equipment	101	100	202	198
Maintenance and other operating lease expenses	67	55	132	113
Personnel cost	844	810	1,713	1,628
Net occupancy expense	59	61	119	119
Equipment expense	141	131	277	267
Professional fees	26	30	50	55
Third-party processing fees	100	63	193	126
FDIC insurance expense	39	38	77	76

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First Citizens BancShares FCNCA Occupancy and equipment