First Citizens BancShares FCNCA Business Segments
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Revenue by Business | ||||||
| Commercial Bank | $1.09B-63.8% | $3B+556% | $458M+1.6% | $451M-56.8% | $1.04B-67.3% | |
| General Bank | $985M-2.6% | $1.01B-0.1% | $1.01B+2.4% | $988M+3.8% | $952M+1.0% | |
| Rail | $177M-2.7% | $182M+9.6% | $166M-1.2% | $168M+2.4% | $164M-5.2% | |
| Net Income by Business | ||||||
| Commercial Bank | $291M-64.2% | $812M+4,411% | $18M-82.4% | $102M-51.2% | $209M-75.8% | |
| General Bank | $278M-9.7% | $308M-3.8% | $320M+8.8% | $294M+16.2% | $253M-11.5% | |
| Rail | $22M-24.1% | $29M+70.6% | $17M-10.5% | $19M-13.6% | $22M-29.0% | |
| Noninterest Income by Business | ||||||
| Commercial Bank | $285M-58.9% | $693M+347% | $155M+2.0% | $152M-40.9% | $257M-63.2% | |
| General Bank | $172M+1.2% | $170M+2.4% | $166M+1.2% | $164M0.0% | $164M-1.2% | |
| Rail | $235M0.0% | $235M+6.3% | $221M0.0% | $221M+2.3% | $216M-3.1% | |
| Pre-Tax Income by Business | ||||||
| Commercial Bank | $386M-64.1% | $1.08B+4,383% | $24M-82.5% | $137M-51.2% | $281M-76.1% | |
| General Bank | $368M-5.6% | $390M-9.1% | $429M+8.6% | $395M+15.8% | $341M-9.8% | |
| Rail | $29M-23.7% | $38M+72.7% | $22M-12.0% | $25M-16.7% | $30M-25.0% | |
| Income Tax by Business | ||||||
| Commercial Bank | $95M-64.0% | $264M+4,300% | $6M-82.9% | $35M-51.4% | $72M-77.1% | |
| General Bank | $90M+9.8% | $82M-24.8% | $109M+7.9% | $101M+14.8% | $88M-4.3% | |
| Rail | $7M-22.2% | $9M+80.0% | $5M-16.7% | $6M-25.0% | $8M-11.1% | |
| Noninterest Income, Other Miscellaneous by Business | ||||||
| Commercial Bank | $230M-63.9% | $638M+532% | $101M+3.1% | $98M-51.2% | $201M-68.7% | |
| General Bank | $172M+1.2% | $170M+2.4% | $166M+1.2% | $164M0.0% | $164M-1.2% | |
| Rail | $9M0.0% | $9M+350% | $2M-33.3% | $3M+50.0% | $2M-66.7% | |
| Total loans and leases by Business | ||||||
| Commercial Bank | $84.26B+1.6% | $82.91B+113% | $38.84B+0.4% | $38.69B-49.4% | $76.45B+1.6% | |
| General Bank | $64.37B-0.9% | $64.96B-0.4% | $65.23B+0.4% | $64.99B+0.2% | $64.85B-0.1% | |
| Rail | $62M0.0% | $62M-1.6% | $63M+1.6% | $62M0.0% | $62M0.0% | |
| Rental income on operating lease equipment by Business | ||||||
| Commercial Bank | $55M0.0% | $55M+1.9% | $54M0.0% | $54M-3.6% | $56M+1.8% | |
| General Bank | $0— | $0— | $0— | $0— | $0— | |
| Rail | $226M0.0% | $226M+3.2% | $219M+0.5% | $218M+1.9% | $214M-1.4% | |
| Other Non-interest Expense, Miscellaneous by Business | ||||||
| Commercial Bank | $404M-67.0% | $1.22B+721% | $149M-3.2% | $154M-63.3% | $420M-65.0% | |
| General Bank | $385M-4.5% | $403M+9.2% | $369M-0.3% | $370M+4.2% | $355M-2.5% | |
| Rail | $17M+6.3% | $16M0.0% | $16M-38.5% | $26M+85.7% | $14M-12.5% | |
| Personnel cost by Business | ||||||
| Commercial Bank | $199M-61.9% | $522M+605% | $74M+7.2% | $69M-63.7% | $190M-64.6% | |
| General Bank | $215M+7.0% | $201M-5.6% | $213M+1.4% | $210M0.0% | $210M+17.3% | |
| Rail | $8M+33.3% | $6M0.0% | $6M0.0% | $6M-25.0% | $8M+60.0% | |
| Noninterest Expense by Business | ||||||
| Commercial Bank | $646M-63.9% | $1.79B+573% | $266M-0.4% | $267M-59.2% | $654M-63.3% | |
| General Bank | $600M-0.7% | $604M+3.8% | $582M+0.3% | $580M+2.7% | $565M+4.1% | |
| Rail | $148M+2.8% | $144M0.0% | $144M+0.7% | $143M+6.7% | $134M+0.8% | |
| Operating lease equipment, net by Business | ||||||
| Commercial Bank | $717M-3.0% | $739M+0.3% | $737M-1.7% | $750M+2.6% | $731M-2.5% | |
| General Bank | $0— | $0— | $0— | $0— | $0— | |
| Rail | $8.97B+1.0% | $8.88B+2.0% | $8.71B-0.1% | $8.72B+0.9% | $8.64B+0.8% | |
| Interest Income (Expense), Operating by Business | ||||||
| Commercial Bank | $802M-65.3% | $2.31B+662% | $303M+1.3% | $299M-62.0% | $786M-68.4% | |
| General Bank | $813M-3.3% | $841M-0.6% | $846M+2.7% | $824M+4.6% | $788M+1.4% | |
| Rail | -$58M-9.4% | -$53M+3.6% | -$55M-3.8% | -$53M-1.9% | -$52M-4.0% | |
| Investment securities by Business | ||||||
| Commercial Bank | $0— | $0— | —— | —— | $0— | |
| General Bank | $0— | $0— | —— | —— | $0— | |
| Rail | $0— | $0— | —— | —— | $0— | |
| Acquisition-related expenses by Business | ||||||
| Commercial Bank | $0— | $0— | $0— | $0— | $0— | |
| General Bank | $0— | $0— | $0— | $0— | $0— | |
| Rail | $0— | $0— | $0— | $0— | $0— | |
| Maintenance and other operating lease expenses by Business | ||||||
| Commercial Bank | $0— | $0— | $0— | $0— | $0— | |
| General Bank | $0— | $0— | $0— | $0— | $0— | |
| Rail | $65M+1.6% | $64M-4.5% | $67M+21.8% | $55M-5.2% | $58M+5.5% | |
| Deposits by Business | ||||||
| Commercial Bank | $47.19B+13.6% | $41.53B+1,295% | $2.98B+2.7% | $2.9B-92.8% | $40.01B0.0% | |
| General Bank | $75.91B+1.5% | $74.8B+0.3% | $74.6B+1.5% | $73.5B-1.1% | $74.31B+1.9% | |
| Rail | $2M0.0% | $2M0.0% | $2M-33.3% | $3M-75.0% | $12M-33.3% | |
| Depreciation on operating lease equipment by Business | ||||||
| Commercial Bank | $43M-2.3% | $44M+2.3% | $43M-2.3% | $44M0.0% | $44M0.0% | |
| General Bank | $0— | $0— | $0— | $0— | $0— | |
| Rail | $58M0.0% | $58M+5.5% | $55M-1.8% | $56M+3.7% | $54M-5.3% | |
| Provision for Credit Losses by Business | ||||||
| Commercial Bank | $55M-59.9% | $137M-18.5% | $168M+257% | $47M-56.5% | $108M-52.2% | |
| General Bank | $17M0.0% | $17M+1,600% | $1M-92.3% | $13M-71.7% | $46M+109% | |
| Rail | $0— | $0— | $0— | $0— | $0— | |
| Noninterest income by Product | ||||||
| Cardholder services, net | $38M+2.7% | $37M-5.1% | $39M-4.9% | $41M0.0% | $41M0.0% | |
| Client investment fees | $53M-1.9% | $54M-6.9% | $58M+11.5% | $52M-1.9% | $53M-1.9% | |
| Deposit fees and service charges | $70M+11.1% | $63M+3.3% | $61M+3.4% | $59M+1.7% | $58M0.0% | |
| Factoring commissions | $17M-15.0% | $20M+11.1% | $18M0.0% | $18M+5.9% | $17M-15.0% | |
| Insurance commissions | $13M+8.3% | $12M-7.7% | $13M-7.1% | $14M0.0% | $14M+7.7% | |
| International fees | $35M-5.4% | $37M+8.8% | $34M+3.0% | $33M+3.1% | $32M-3.0% | |
| Lending-related fees | $69M+7.8% | $64M-4.5% | $67M-2.9% | $69M+4.5% | $66M-2.9% | |
| Merchant services, net | $13M0.0% | $13M+8.3% | $12M-7.7% | $13M-7.1% | $14M+7.7% | |
| Wealth management services | $59M-3.3% | $61M+7.0% | $57M+3.6% | $55M-1.8% | $56M+3.7% |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does First Citizens BancShares break its business down?
- First Citizens BancShares (FCNCA) reports revenue by business across 3 parts — Commercial Bank, General Bank and Rail. Each is extracted from the segment footnotes and tracked over time.
- Where does First Citizens BancShares's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in First Citizens BancShares's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.
