First Citizens BancShares FCNCA Business Segments
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Revenue by Business | |||||
| Commercial Bank | $4.96B+9.8% | $4.51B+23.0% | $3.67B+162% | $1.4B— | |
| General Bank | $3.96B+11.2% | $3.56B+15.5% | $3.09B+33.4% | $2.31B— | |
| Rail | $680M+4.8% | $649M+7.5% | $604M+4.9% | $576M— | |
| Net Income by Business | |||||
| Commercial Bank | $1.14B-6.6% | $1.22B+102% | $604M+48.0% | $408M— | |
| General Bank | $1.18B+24.9% | $941M+23.7% | $761M+20.8% | $630M— | |
| Rail | $87M-13.9% | $101M+16.1% | $87M-21.6% | $111M— | |
| Noninterest Income by Business | |||||
| Commercial Bank | $1.26B+13.3% | $1.11B+12.4% | $987M+90.5% | $518M— | |
| General Bank | $664M+8.5% | $612M+16.3% | $526M+8.9% | $483M— | |
| Rail | $893M+6.9% | $835M+12.1% | $745M+13.7% | $655M— | |
| Pre-Tax Income by Business | |||||
| Commercial Bank | $1.52B-8.8% | $1.66B+104% | $817M+52.4% | $536M— | |
| General Bank | $1.56B+19.3% | $1.3B+25.3% | $1.04B+23.2% | $844M— | |
| Rail | $115M-16.1% | $137M+16.1% | $118M-20.3% | $148M— | |
| Income Tax by Business | |||||
| Commercial Bank | $377M-14.7% | $442M+108% | $213M+66.4% | $128M— | |
| General Bank | $380M+5.0% | $362M+29.7% | $279M+30.4% | $214M— | |
| Rail | $28M-22.2% | $36M+16.1% | $31M-16.2% | $37M— | |
| Noninterest Income, Other Miscellaneous by Business | |||||
| Commercial Bank | $1.04B+17.7% | $882M+16.7% | $756M+147% | $306M— | |
| General Bank | $664M+8.5% | $612M+16.3% | $526M+8.9% | $483M— | |
| Rail | $16M+14.3% | $14M+180% | $5M+25.0% | $4M— | |
| Total loans and leases by Business | |||||
| Commercial Bank | $236.89B+27.6% | $185.64B— | —— | —— | |
| General Bank | $260.02B+2.2% | $254.48B— | —— | —— | |
| Rail | $249M+0.4% | $248M+19.2% | $208M-28.3% | $290M— | |
| Rental income on operating lease equipment by Business | |||||
| Commercial Bank | $219M-3.5% | $227M-1.7% | $231M+9.0% | $212M— | |
| General Bank | $0— | $0— | $0— | $0— | |
| Rail | $877M+6.8% | $821M+10.9% | $740M+13.5% | $652M— | |
| Other Non-interest Expense, Miscellaneous by Business | |||||
| Commercial Bank | $1.95B+19.7% | $1.63B+10.8% | $1.47B+262% | $405M— | |
| General Bank | $1.5B+11.5% | $1.34B+6.6% | $1.26B+38.5% | $909M— | |
| Rail | $72M+22.0% | $59M+18.0% | $50M+19.0% | $42M— | |
| Personnel cost by Business | |||||
| Commercial Bank | $855M+15.4% | $741M+23.7% | $599M+250% | $171M— | |
| General Bank | $834M+6.5% | $783M+6.7% | $734M+33.7% | $549M— | |
| Rail | $26M+4.0% | $25M+13.6% | $22M+10.0% | $20M— | |
| Noninterest Expense by Business | |||||
| Commercial Bank | $2.98B+16.7% | $2.55B+13.6% | $2.25B+201% | $745M— | |
| General Bank | $2.33B+9.7% | $2.13B+6.6% | $1.99B+36.7% | $1.46B— | |
| Rail | $565M+10.4% | $512M+5.3% | $486M— | —— | |
| Operating lease equipment, net by Business | |||||
| Commercial Bank | $2.96B-3.0% | $3.05B— | —— | —— | |
| General Bank | $0— | $0— | —— | —— | |
| Rail | $34.95B+5.2% | $33.22B+6.2% | $31.29B+7.2% | $29.18B— | |
| Interest Income (Expense), Operating by Business | |||||
| Commercial Bank | $3.7B+8.7% | $3.4B+26.9% | $2.68B+203% | $884M— | |
| General Bank | $3.3B+11.8% | $2.95B+15.3% | $2.56B+39.9% | $1.83B— | |
| Rail | -$213M-14.5% | -$186M-31.9% | -$141M-78.5% | -$79M— | |
| Acquisition-related expenses by Business | |||||
| Commercial Bank | $0— | $0— | $0— | $0— | |
| General Bank | $0— | $0— | $0— | $0— | |
| Rail | $0— | $0— | $0— | $0— | |
| Maintenance and other operating lease expenses by Business | |||||
| Commercial Bank | $0— | $0— | $0— | $0— | |
| General Bank | $0— | $0— | $0— | $0— | |
| Rail | $244M+11.4% | $219M-1.4% | $222M+17.5% | $189M— | |
| Deposits by Business | |||||
| Commercial Bank | $87.42B+75.4% | $49.85B— | —— | —— | |
| General Bank | $297.2B+3.5% | $287.02B— | —— | —— | |
| Rail | $19M-66.1% | $56M+12.0% | $50M-5.7% | $53M— | |
| Depreciation on operating lease equipment by Business | |||||
| Commercial Bank | $175M-5.4% | $185M+3.4% | $179M+5.9% | $169M— | |
| General Bank | $0— | $0— | $0— | $0— | |
| Rail | $223M+6.7% | $209M+8.9% | $192M+9.1% | $176M— | |
| Provision for Credit Losses by Business | |||||
| Commercial Bank | $460M+55.4% | $296M-51.2% | $606M+401% | $121M— | |
| General Bank | $77M-43.0% | $135M+155% | $53M+382% | $11M— | |
| Rail | $0— | $0— | $0— | —— | |
| Noninterest income by Product | |||||
| Cardholder services, net | $158M-3.1% | $163M+17.3% | $139M+36.3% | $102M+17.2% | |
| Client investment fees | $217M+1.9% | $213M+35.7% | $157M— | $0— | |
| Deposit fees and service charges | $241M+4.8% | $230M+15.0% | $200M+40.8% | $142M— | |
| Factoring commissions | $73M-2.7% | $75M-8.5% | $82M-21.2% | $104M— | |
| Insurance commissions | $53M-3.6% | $55M+1.9% | $54M+14.9% | $47M+194% | |
| International fees | $136M+14.3% | $119M+30.8% | $91M+1,038% | $8M+14.3% | |
| Lending-related fees | $266M+3.5% | $257M+17.9% | $218M+112% | $103M— | |
| Merchant services, net | $52M+6.1% | $49M+2.1% | $48M+37.1% | $35M+6.1% | |
| Wealth management services | $229M+8.5% | $211M+12.2% | $188M+32.4% | $142M+10.1% |
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.
