Question 1

What is First Citizens BancShares's third-party processing fees?

Accepted Answer

First Citizens BancShares (FCNCA) reported third-party processing fees of $100M in Q2 2026.

Question 2

How has First Citizens BancShares's third-party processing fees changed year-over-year?

Accepted Answer

First Citizens BancShares's third-party processing fees increased by 58.7% year-over-year, from $63M to $100M.

Question 3

What is the long-term trend for First Citizens BancShares's third-party processing fees?

Accepted Answer

Over 4 years (2021 to 2025), First Citizens BancShares's third-party processing fees has grown at a 45.4% compound annual growth rate (CAGR), from $60M to $268M.

Question 4

What does third-party processing fees mean?

Accepted Answer

Includes fees paid to third-party vendors for transaction processing, data services, and technology infrastructure support. These costs are critical for banks that outsource core banking systems or digital payment processing to specialized providers.

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
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
Marketing expense	45	32	75	64
Acquisition-related expenses	8	38	13	80
Intangible asset amortization	11	13	24	28

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First Citizens BancShares FCNCA Third-party processing fees