SEC EDGAR · 10-Q
10-Q – 2025-08-08 – fcnca-20250630.htm
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Omsättning
- Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | 111
- FCB First-Citizens Bank & Trust Company PD Probability of Obligor Default | FDIC Federal Deposit Insurance Corporation PPNR Pre-provision net revenue | Federal Reserve Board of Governors of the Federal Reserve System ROU Right of Use
- Proceeds from maturities of investment securities available for sale 2,972 2,729 | Proceeds from sales of investment securities available for sale 1,196 695 | Purchases of investment securities held to maturity ( 218 ) ( 791 )
- Net increase in loans ( 1,320 ) ( 6,190 ) | Proceeds from sales of loans 146 218 | Net increase in credit balances of factoring clients 127 86
- Purchases of operating lease equipment ( 385 ) ( 428 ) | Proceeds from sales of operating lease equipment 124 103 | Purchases of premises and equipment ( 229 ) ( 195 )
- Proceeds from sales of other real estate owned 10 11
- U.S. Treasury investments include Treasury bills and Notes issued by the U.S. Treasury. Investments in government agency securities represent securities issued by the Small Business Administration (“SBA”), Federal Home Loan Bank (“FHLB”) and other U.S. agencies. Investments in residential and commercial mortgage-backed securities represent securities issued by the Government National Mortgage Association, Federal National Mortgage Association and Federal Home Loan Mortgage Corporation. Investmen | 12
- The following table presents the gross realized gain and loss on sales of investment securities available for sale, and the net realized gain on sale of marketable equity securities:
Periodens resultat
- Income tax expense 183 272 351 545 | Net income $ 575 $ 707 $ 1,058 $ 1,438 | Preferred stock dividends 14 16 29 31
- Preferred stock dividends 14 16 29 31 | Net income available to common stockholders $ 561 $ 691 $ 1,029 $ 1,407 | Earnings per common share
- dollars in millions 2025 2024 2025 2024 | Net income $ 575 $ 707 $ 1,058 $ 1,438 | Other comprehensive income (loss), net of tax
- Balance at March 31, 2025 $ 881 $ 12 $ 1 $ 1,798 $ 19,802 $ ( 199 ) $ 22,295 | Net income — — — — 575 — 575 | Other comprehensive income, net of tax — — — — — 85 85
- Balance at March 31, 2024 $ 881 $ 14 $ 1 $ 4,099 $ 17,435 $ ( 582 ) $ 21,848 | Net income — — — — 707 — 707 | Other comprehensive loss, net of tax — — — — — ( 28 ) ( 28 )
- Balance at December 31, 2024 $ 881 $ 13 $ 1 $ 2,417 $ 19,361 $ ( 445 ) $ 22,228 | Net income — — — — 1,058 — 1,058 | Other comprehensive income, net of tax — — — — — 331 331
- Balance at December 31, 2023 $ 881 $ 14 $ 1 $ 4,108 $ 16,742 $ ( 491 ) $ 21,255 | Net income — — — — 1,438 — 1,438 | Other comprehensive loss, net of tax — — — — — ( 119 ) ( 119 )
- CASH FLOWS FROM OPERATING ACTIVITIES | Net income $ 1,058 $ 1,438 | Adjustments to reconcile net income to cash provided by operating activities:
Kassaflöde
- Net unrealized (loss) gain on cash flow hedge derivatives ( 1 ) 2 6 2 | Other comprehensive income (loss), net of tax $ 85 $ ( 28 ) $ 331 $ ( 119 )
- dollars in millions 2025 2024 | SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION | Cash paid during the period for:
- Principles of Consolidation and Basis of Presentation | These consolidated financial statements and notes thereto are presented in accordance with instructions for Form 10-Q and Article 10 of Regulation S-X and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with accounting principles generally accepted in the United States of America (“GAAP”). In the opinion of management, all normal recurring adjustments necessary fo
- Changes to the Composition of Reportable Segments | We updated our segment reporting during the first quarter of 2025 (the “Segment Reporting Updates”) as we transferred certain components from the Silicon Valley Bank (“SVB”) Commercial and General Bank segments to the Commercial Bank segment and modified our segment expense allocation methodology. The Segment Reporting Updates did not result in the addition or removal of any of our existing segments at December 31, 2024, and the global fund banking and investor dependent loan portfolios, as well
- • The SVB portfolio consisted of the following loan classes: global fund banking, investor dependent - early stage, investor dependent - growth stage, and cash flow dependent and innovation C&I.
- • Investor dependent–early stage and investor dependent–growth stage were combined into a single investor dependent loan class, which is reported under the Commercial portfolio. | • Cash flow dependent and innovation C&I was combined with the commercial and industrial loan class, which is reported under the Commercial portfolio. | Loan and lease and ALLL disclosures for all periods presented in this Form 10-Q were recast to reflect the 2025 Loan Class Changes. Refer to Note 4—Loans and Leases and Note 5—Allowance for Loan and Lease Losses.
- The following table presents supplemental cash flow information related to leases:
- Supplemental Cash Flow Information
Nettoskuld
- Other operating activities ( 49 ) ( 14 ) | Net cash provided by operating activities 957 878 | CASH FLOWS FROM INVESTING ACTIVITIES
- Other investing activities ( 272 ) ( 169 ) | Net cash used in investing activities ( 5,439 ) ( 6,110 ) | CASH FLOWS FROM FINANCING ACTIVITIES
- Other financing activities 1 ( 10 ) | Net cash provided by financing activities 4,557 5,088
- (1) Amortization is included in depreciation, amortization, and accretion, net as an adjustment to reconcile net income to net cash provided by operating activities on the Consolidated Statements of Cash Flows. | (2) Net income tax benefit impact is included in net income in cash flows from operating activities on the Consolidated Statements of Cash Flows. Changes in income taxes payable are reported in the net change in other liabilities as an adjustment to reconcile net income to net cash provided by operating activities.
Eget kapital
- Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) | 7
- Total liabilities 207,357 201,492 | Stockholders’ equity | Preferred stock - $ 0.01 par value ( 20,000,000 shares authorized at June 30, 2025 and December 31, 2024)
- Accumulated other comprehensive loss ( 114 ) ( 445 ) | Total stockholders’ equity 22,296 22,228 | Total liabilities and stockholders’ equity $ 229,653 $ 223,720
- Total stockholders’ equity 22,296 22,228 | Total liabilities and stockholders’ equity $ 229,653 $ 223,720
- First Citizens BancShares, Inc. and Subsidiaries | Consolidated Statements of Changes in Stockholders’ Equity (Unaudited)
- Three Months Ended | dollars in millions, except per share data Preferred Stock Class A Common Stock Class B Common Stock Additional Paid in Capital Retained Earnings Accumulated Other Comprehensive (Loss) Income Total Stockholders' Equity | Balance at March 31, 2025 $ 881 $ 12 $ 1 $ 1,798 $ 19,802 $ ( 199 ) $ 22,295
- Six Months Ended | dollars in millions, except share data Preferred Stock Class A Common Stock Class B Common Stock Additional Paid in Capital Retained Earnings Accumulated Other Comprehensive (Loss) Income Total Stockholders' Equity | Balance at December 31, 2024 $ 881 $ 13 $ 1 $ 2,417 $ 19,361 $ ( 445 ) $ 22,228
- Financial Statements | In certain instances, amounts reported in the 2024 consolidated financial statements have been reclassified to conform to the current financial statement presentation. Such reclassifications had no effect on previously reported stockholders’ equity or net income.
Antal aktier
- Class B Common Stock— 1,005,185 shares | (Number of shares outstanding, by class, as of August 4, 2025)
- Diluted $ 42.36 $ 47.54 $ 76.73 $ 96.80 | Weighted average common shares outstanding | Basic 13,237,226 14,534,499 13,405,295 14,533,900
- Number of Shares of Common Stock
- Net income available to common stockholders $ 561 $ 691 $ 1,029 $ 1,407 | Weighted average common shares outstanding | Basic shares outstanding 13,237,226 14,534,499 13,405,295 14,533,900
- Weighted average common shares outstanding | Basic shares outstanding 13,237,226 14,534,499 13,405,295 14,533,900 | Stock-based awards — — — 1,572
- Stock-based awards — — — 1,572 | Diluted shares outstanding 13,237,226 14,534,499 13,405,295 14,535,472 | Earnings per common share
- During the second quarter of 2025, we repurchased 338,959 shares of our Class A common stock for approximately $613 million. Shares repurchased during the second quarter of 2025 represented 2.73% of Class A common shares and 2.53% of total Class A and Class B common shares outstanding at March 31, 2025. From inception of the 2024 SRP through June 30, 2025, we have repurchased 1,456,283 shares of our Class A common stock for approximately $2.89 billion, representing 10.77% of Class A common share
- Per Common Share Information: | Weighted average common shares outstanding (diluted) 13,237,226 13,575,231 14,534,499 13,405,295 14,535,472 | Diluted earnings per common share $ 42.36 $ 34.47 $ 47.54 $ 76.73 $ 96.80
Antal anställda
- BancShares sponsors non-contributory defined benefit pension plans for its qualifying employees. The service cost component of net periodic benefit cost is included in salaries and wages, while all other non-service cost components are included in other noninterest expense.
- Acquisition-related personnel cost primarily includes severance and retention costs for employees associated with business combinations. These amounts are recognized over the requisite service period, if any.
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2024-12-31 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________________________ FORM 10-Q ____________________________________________________ ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number: 001-16715 First Citizens BancShares, Inc. (Exact name of Registrant as specified in its charter) Delaware 56-1528994 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification Number) 4300 Six Forks Road Raleigh North Carolina 27609 (Address of principal executive offices) (Zip code) (919) 716-7000 (Registrant’s telephone number, including area code) ____________________________________________________ Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934: Title of each class Trading Symbol(s) Name of each exchange on which registered Class A Common Stock, Par Value $1 FCNCA Nasdaq Global Select Market Depositary Shares, Each Representing a 1/40th Interest in a Share of 5.375% Non-Cumulative Perpetual Preferred Stock, Series A FCNCP Nasdaq Global Select Market 5.625% Non-Cumulative Perpetual Preferred Stock, Series C FCNCO Nasdaq Global Select Market Securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934: Class B Common Stock, Par Value $1 Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company” and ‘emerging growth company’ in Rule 12b-2 of the Exchange Act. Large accelerated filer ☒ Accelerated filer ☐ Non-accelerated filer ☐ Smaller reporting company ☐ Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒ Class A Common Stock— 11,916,011 shares Class B Common Stock— 1,005,185 shares (Number of shares outstanding, by class, as of August 4, 2025) CONTENTS Page PART I—FINANCIAL INFORMATION Item 1. Financial Statements 4 Consolidated Balance Sheets (Unaudited) 4 Consolidated Statements of Income (Unaudited) 5 Consolidated Statements of Comprehensive Income (Unaudited) 6 Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) 7 Consolidated Statements of Cash Flows (Unaudited) 8 Notes to Unaudited Consolidated Financial Statements 10 Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 56 Item 3. Quantitative and Qualitative Disclosures about Market Risk 109 Item 4. Controls and Procedures 109 PART II—OTHER INFORMATION Item 1. Legal Proceedings 110 Item 1A. Risk Factors 110 Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 111 Item 5. Other Information 111 Item 6. Exhibits 111 Signatures 112 2 GLOSSARY OF ABBREVIATIONS AND ACRONYMS The following is a list of select abbreviations and acronyms used throughout this document. You may find it helpful to refer back to this table. Acronym Definition Acronym Definition ALLL Allowance for Loan and Lease Losses MD&A Management’s Discussion and Analysis AOCI Accumulated Other Comprehensive Income MSRs Mortgage Servicing Rights ASC Accounting Standards Codification NII Net Interest Income ASU Accounting Standards Update NII Sensitivity Net Interest Income Sensitivity BHC Bank Holding Company NIM Net Interest Margin bps Basis point(s); 1 bp = 0.01% NPR Notice of Proposed Rulemaking CRA Community Reinvestment Act OBBBA One Big Beautiful Bill Act CRE Commercial Real Estate OREO Other Real Estate Owned DPA Deferred Purchase Agreement PAA Purchase Accounting Accretion or Amortization DTAs Deferred Tax Assets PAM Proportional Amortization Method ETR Effective Income Tax Rate PCA Prompt Corrective Action EVE Sensitivity Economic Value of Equity Sensitivity PCD Purchased Credit Deteriorated FCB First-Citizens Bank & Trust Company PD Probability of Obligor Default FDIC Federal Deposit Insurance Corporation PPNR Pre-provision net revenue Federal Reserve Board of Governors of the Federal Reserve System ROU Right of Use FHLB Federal Home Loan Bank RWA Risk-weighted assets FOMC Federal Open Market Committee SBA Small Business Administration FRB Federal Reserve Bank SOFR Secured Overnight Financing Rate GAAP United States Generally Accepted Accounting Principles SRP Share Repurchase Program HPI Home Price Index SVB Silicon Valley Bank HQLS High-Quality Liquid Securities SVBB Silicon Valley Bridge Bank, N.A. ISDA International Swaps and Derivatives Association TMT Technology Media and Telecommunications LGD Loss Given Default UPB Unpaid Principal Balance LOCOM Lower of Cost or Fair Value VIE Variable Interest Entities 3 PART I—FINANCIAL INFORMATION Item 1. Financial Statements. First Citizens BancShares, Inc. and Subsidiaries Consolidated Balance Sheets (Unaudited) dollars in millions, except share data June 30, 2025 December 31, 2024 Assets Cash and due from banks $ 889 $ 814 Interest-earning deposits at banks 26,184 21,364 Securities purchased under agreements to resell 300 158 Investment in marketable equity securities (cost of $ 78 at June 30, 2025 and $ 79 at December 31, 2024) 97 101 Investment securities available for sale (cost of $ 33,381 at June 30, 2025 and $ 34,512 at December 31, 2024) 33,060 33,750 Investment securities held to maturity (fair value of $ 8,888 at June 30, 2025 and $ 8,702 at December 31, 2024) 10,189 10,239 Assets held for sale 125 85 Loans and leases 141,269 140,221 Allowance for loan and lease losses ( 1,672 ) ( 1,676 ) Loans and leases, net of allowance for loan and lease losses 139,597 138,545 Operating lease equipment, net 9,466 9,323 Premises and equipment, net 2,115 2,006 Goodwill 346 346 Other intangible assets, net 221 249 Other assets 7,064 6,740 Total assets $ 229,653 $ 223,720 Liabilities Deposits: Noninterest-bearing $ 40,879 $ 38,633 Interest-bearing 119,056 116,596 Total deposits 159,935 155,229 Credit balances of factoring clients 1,077 1,016 Borrowings: Short-term borrowings 471 367 Long-term borrowings 37,641 36,684 Total borrowings 38,112 37,051 Other liabilities 8,233 8,196 Total liabilities 207,357 201,492 Stockholders’ equity Preferred stock - $ 0.01 par value ( 20,000,000 shares authorized at June 30, 2025 and December 31, 2024) 881 881 Common stock: Class A - $ 1 par value ( 32,000,000 shares authorized at June 30, 2025 and December 31, 2024; 12,070,794 and 12,712,436 shares issued and outstanding at June 30, 2025 and December 31, 2024, respectively) 12 13 Class B - $ 1 par value ( 2,000,000 shares authorized and 1,005,185 shares issued and outstanding at June 30, 2025 and December 31, 2024) 1 1 Additional paid in capital 1,179 2,417 Retained earnings 20,337 19,361 Accumulated other comprehensive loss ( 114 ) ( 445 ) Total stockholders’ equity 22,296 22,228 Total liabilities and stockholders’ equity $ 229,653 $ 223,720 See accompanying Notes to the Unaudited Consolidated Financial Statements. 4 First Citizens BancShares, Inc. and Subsidiaries Consolidated Statements of Income (Unaudited) Three Months Ended June 30, Six Months Ended June 30, dollars in millions, except share and per share data 2025 2024 2025 2024 Interest income Interest and fees on loans $ 2,270 $ 2,422 $ 4,506 $ 4,776 Interest on investment securities 419 330 833 612 Interest on deposits at banks 256 378 501 826 Total interest income 2,945 3,130 5,840 6,214 Interest expense Deposits 894 975 1,787 1,903 Borrowings 356 334 695 673 Total interest expense 1,250 1,309 2,482 2,576 Net interest income 1,695 1,821 3,358 3,638 Provision for credit losses 115 95 269 159 Net interest income after provision for credit losses 1,580 1,726 3,089 3,479 Noninterest income Rental income on operating lease equipment 272 259 542 514 Lending-related fees 69 63 135 122 Deposit fees and service charges 59 57 117 115 Client investment fees 52 54 105 104 Wealth management services 55 52 111 103 International fees 33 29 65 57 Factoring commissions 18 19 35 36 Cardholder services, net 41 40 82 80 Merchant services, net 13 12 27 24 Insurance commissions 14 13 28 28 Fair value adjustment on marketable equity securities, net 2 ( 2 ) ( 3 ) ( 6 ) Gain on sale of leasing equipment, net 8 4 13 14 Loss on extinguishment of debt — — — ( 2 ) Other noninterest income 42 39 56 77 Total noninterest income 678 639 1,313 1,266 Noninterest expense Depreciation on operating lease equipment 100 98 198 194 Maintenance and other operating lease expenses 55 60 113 105 Personnel cost 810 745 1,628 1,489 Net occupancy expense 61 58 119 120 Equipment expense 131 126 267 240 Professional fees 30 24 55 49 Third-party processing fees 63 58 126 118 FDIC insurance expense 38 33 76 74 Marketing expense 32 18 64 32 Acquisition-related expenses 38 44 80 102 Intangible asset amortization 13 15 28 32 Other noninterest expense 129 107 239 207 Total noninterest expense 1,500 1,386 2,993 2,762 Income before income taxes 758 979 1,409 1,983 Income tax expense 183 272 351 545 Net income $ 575 $ 707 $ 1,058 $ 1,438 Preferred stock dividends 14 16 29 31 Net income available to common stockholders $ 561 $ 691 $ 1,029 $ 1,407 Earnings per common share Basic $ 42.36 $ 47.54 $ 76.73 $ 96.81 Diluted $ 42.36 $ 47.54 $ 76.73 $ 96.80 Weighted average common shares outstanding Basic 13,237,226 14,534,499 13,405,295 14,533,900 Diluted 13,237,226 14,534,499 13,405,295 14,535,472 See accompanying Notes to the Unaudited Consolidated Financial Statements. 5 First Citizens BancShares, Inc. and Subsidiaries Consolidated Statements of Comprehensive Income (Unaudited) Three Months Ended June 30, Six Months Ended June 30, dollars in millions 2025 2024 2025 2024 Net income $ 575 $ 707 $ 1,058 $ 1,438 Other comprehensive income (loss), net of tax Net unrealized gain (loss) on securities available for sale 89 ( 22 ) 328 ( 113 ) Net change in defined benefit pension items ( 3 ) ( 8 ) ( 3 ) ( 8 ) Net unrealized (loss) gain on cash flow hedge derivatives ( 1 ) 2 6 2 Other comprehensive income (loss), net of tax $ 85 $ ( 28 ) $ 331 $ ( 119 ) Total comprehensive income $ 660 $ 679 $ 1,389 $ 1,319 See accompanying Notes to the Unaudited Consolidated Financial Statements. 6 First Citizens BancShares, Inc. and Subsidiaries Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) Three Months Ended dollars in millions, except per share data Preferred Stock Class A Common Stock Class B Common Stock Additional Paid in Capital Retained Earnings Accumulated Other Comprehensive (Loss) Income Total Stockholders' Equity Balance at March 31, 2025 $ 881 $ 12 $ 1 $ 1,798 $ 19,802 $ ( 199 ) $ 22,295 Net income — — — — 575 — 575 Other comprehensive income, net of tax — — — — — 85 85 Repurchased 338,959 shares of Class A common stock — — — ( 619 ) — — ( 619 ) Cash dividends declared ($ 1.95 per common share): Class A common stock — — — — ( 24 ) — ( 24 ) Class B common stock — — — — ( 2 ) — ( 2 ) Preferred stock dividends declared: Series A — — — — ( 4 ) — ( 4 ) Series B — — — — ( 7 ) — ( 7 ) Series C — — — — ( 3 ) — ( 3 ) Balance at June 30, 2025 $ 881 $ 12 $ 1 $ 1,179 $ 20,337 $ ( 114 ) $ 22,296 Balance at March 31, 2024 $ 881 $ 14 $ 1 $ 4,099 $ 17,435 $ ( 582 ) $ 21,848 Net income — — — — 707 — 707 Other comprehensive loss, net of tax — — — — — ( 28 ) ( 28 ) Cash dividends declared ($ 1.64 per common share): Class A common stock — — — — ( 22 ) — ( 22 ) Class B common stock — — — — ( 2 ) — ( 2 ) Preferred stock dividends declared: Series A — — — — ( 5 ) — ( 5 ) Series B — — — — ( 8 ) — ( 8 ) Series C — — — — ( 3 ) — ( 3 ) Balance at June 30, 2024 $ 881 $ 14 $ 1 $ 4,099 $ 18,102 $ ( 610 ) $ 22,487 Six Months Ended dollars in millions, except share data Preferred Stock Class A Common Stock Class B Common Stock Additional Paid in Capital Retained Earnings Accumulated Other Comprehensive (Loss) Income Total Stockholders' Equity Balance at December 31, 2024 $ 881 $ 13 $ 1 $ 2,417 $ 19,361 $ ( 445 ) $ 22,228 Net income — — — — 1,058 — 1,058 Other comprehensive income, net of tax — — — — — 331 331 Repurchased 641,642 shares of Class A common stock — ( 1 ) — ( 1,238 ) — — ( 1,239 ) Cash dividends declared ($ 3.90 per common share): Class A common stock — — — — ( 49 ) — ( 49 ) Class B common stock — — — — ( 4 ) — ( 4 ) Preferred stock dividends declared: Series A — — — — ( 9 ) — ( 9 ) Series B — — — — ( 14 ) — ( 14 ) Series C — — — — ( 6 ) — ( 6 ) Balance at June 30, 2025 $ 881 $ 12 $ 1 $ 1,179 $ 20,337 $ ( 114 ) $ 22,296 Balance at December 31, 2023 $ 881 $ 14 $ 1 $ 4,108 $ 16,742 $ ( 491 ) $ 21,255 Net income — — — — 1,438 — 1,438 Other comprehensive loss, net of tax — — — — — ( 119 ) ( 119 ) Stock based compensation — — — ( 9 ) — — ( 9 ) Cash dividends declared ($ 3.28 per common share): Class A common stock — — — — ( 44 ) — ( 44 ) Class B common stock — — — — ( 3 ) — ( 3 ) Preferred stock dividends declared: Series A — — — — ( 9 ) — ( 9 ) Series B — — — — ( 16 ) — ( 16 ) Series C — — — — ( 6 ) — ( 6 ) Balance at June 30, 2024 $ 881 $ 14 $ 1 $ 4,099 $ 18,102 $ ( 610 ) $ 22,487 See accompanying Notes to the Unaudited Consolidated Financial Statements. 7 First Citizens BancShares, Inc. and Subsidiaries Consolidated Statements of Cash Flows (Unaudited) Six Months Ended June 30, dollars in millions 2025 2024 CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 1,058 $ 1,438 Adjustments to reconcile net income to cash provided by operating activities: Provision for credit losses 269 159 Deferred tax benefit ( 74 ) ( 183 ) Depreciation, amortization, and accretion, net 193 ( 6 ) Fair value adjustment on marketable equity securities, net 3 6 Gain on sale of loans, net ( 4 ) ( 3 ) Gain on sale of operating lease equipment, net ( 13 ) ( 14 ) Loss (gain) on other real estate owned, net 7 ( 3 ) Loss on extinguishment of debt — 2 Origination of loans held for sale ( 678 ) ( 547 ) Proceeds from sale of loans held for sale 771 535 Impairment of premises and equipment 5 — Net change in other assets ( 241 ) ( 268 ) Net change in other liabilities ( 290 ) ( 224 ) Other operating activities ( 49 ) ( 14 ) Net cash provided by operating activities 957 878 CASH FLOWS FROM INVESTING ACTIVITIES Net (increase) decrease in interest-earning deposits at banks ( 4,820 ) 8,248 Purchases of investment securities available for sale ( 2,910 ) ( 10,757 ) Proceeds from maturities of investment securities available for sale 2,972 2,729 Proceeds from sales of investment securities available for sale 1,196 695 Purchases of investment securities held to maturity ( 218 ) ( 791 ) Proceeds from maturities of investment securities held to maturity 282 249 Net (increase) decrease in securities purchased under agreements to resell ( 142 ) 81 Net increase in loans ( 1,320 ) ( 6,190 ) Proceeds from sales of loans 146 218 Net increase in credit balances of factoring clients 127 86 Purchases of operating lease equipment ( 385 ) ( 428 ) Proceeds from sales of operating lease equipment 124 103 Purchases of premises and equipment ( 229 ) ( 195 ) Proceeds from sales of other real estate owned 10 11 Other investing activities ( 272 ) ( 169 ) Net cash used in investing activities ( 5,439 ) ( 6,110 ) CASH FLOWS FROM FINANCING ACTIVITIES Net decrease in time deposits ( 2,010 ) ( 1,261 ) Net increase in demand and other interest-bearing deposits 6,885 6,568 Net increase (decrease) in securities sold under agreements to repurchase 104 ( 99 ) Repayment of long-term borrowings ( 352 ) ( 32 ) Proceeds from issuance of long-term borrowings 1,242 — Repurchase of Class A common stock ( 1,231 ) — Cash dividends paid ( 82 ) ( 78 ) Other financing activities 1 ( 10 ) Net cash provided by financing activities 4,557 5,088 Change in cash and due from banks 75 ( 144 ) Cash and due from banks at beginning of period 814 908 Cash and due from banks at end of period $ 889 $ 764 8 Six Months Ended June 30, dollars in millions 2025 2024 SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION Cash paid during the period for: Interest $ 2,422 $ 2,618 Income taxes 171 703 Significant non-cash investing and financing activities: Transfers of loans to other real estate 54 — Net settlement with FDIC for Purchase Money Note — 80 Transfer of assets from held for investment to held for sale 286 236 Commitments extended during the period on affordable housing investment credits 197 323 See accompanying Notes to the Unaudited Consolidated Financial Statements. 9 First Citizens BancShares, Inc. and Subsidiaries Notes to Unaudited Consolidated Financial Statements NOTE 1 — SIGNIFICANT ACCOUNTING POLICIES AND BASIS OF PRESENTATION Nature of Operations First Citizens BancShares, Inc. (the “Parent Company” and, when including all of its subsidiaries on a consolidated basis, “we,” “us,” “our,” “BancShares”) is a financial holding company organized under the laws of Delaware that conducts operations through its banking subsidiary, First-Citizens Bank & Trust Company (“FCB”), which is headquartered in Raleigh, North Carolina. BancShares operates a network of branches and offices, predominantly located in the Southeast, Mid-Atlantic, Midwest and Western United States. BancShares provides various types of commercial and consumer banking services, including lending, leasing, and wealth management services. Deposit services include checking, savings, money market, and time deposit accounts. BASIS OF PRESENTATION Principles of Consolidation and Basis of Presentation These consolidated financial statements and notes thereto are presented in accordance with instructions for Form 10-Q and Article 10 of Regulation S-X and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with accounting principles generally accepted in the United States of America (“GAAP”). In the opinion of management, all normal recurring adjustments necessary for a fair presentation of the consolidated financial position and consolidated results of operations have been made. The unaudited interim consolidated financial statements included in this Quarterly Report on Form 10-Q (this “Form 10-Q”) should be read in conjunction with the Consolidated Financial Statements and Notes to the Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2024 (the “2024 Form 10-K”). Interim results are not necessarily indicative of results for a full year. The consolidated financial statements of BancShares include the accounts of BancShares and its subsidiaries, certain partnership interests and variable interest entities (“VIEs”) where BancShares is the primary beneficiary, if applicable. All significant intercompany accounts and transactions are eliminated upon consolidation. Assets held in agency or fiduciary capacity are not included in the consolidated financial statements. Refer to Note 8—Variable Interest Entities for additional information regarding VIEs. Reclassifications Financial Statements In certain instances, amounts reported in the 2024 consolidated financial statements have been reclassified to conform to the current financial statement presentation. Such reclassifications had no effect on previously reported stockholders’ equity or net income. Changes to the Composition of Reportable Segments We updated our segment reporting during the first quarter of 2025 (the “Segment Reporting Updates”) as we transferred certain components from the Silicon Valley Bank (“SVB”) Commercial and General Bank segments to the Commercial Bank segment and modified our segment expense allocation methodology. The Segment Reporting Updates did not result in the addition or removal of any of our existing segments at December 31, 2024, and the global fund banking and investor dependent loan portfolios, as well as a substantial portion of the cash flow dependent and innovation commercial and industrial (“innovation C&I”) loans, remain in the SVB Commercial segment. Segment disclosures for 2024 periods included in this Form 10-Q were recast to conform with the Segment Reporting Updates summarized above. Refer to Note 17—Segment Information for additional information. 2025 Loan Class Changes At December 31, 2024, our disclosures for loans and leases and the allowance for loan and lease losses (“ALLL”) were aggregated into Commercial, Consumer, and SVB portfolios, each of which consisted of several loan classes as summarized below: • The Commercial portfolio consisted of the following loan classes: commercial construction, owner occupied commercial mortgage, non-owner occupied commercial mortgage, commercial and industrial, and leases. • The Consumer portfolio consisted of the following loan classes: residential mortgage, revolving mortgage, consumer auto, and consumer other. 10 • The SVB portfolio consisted of the following loan classes: global fund banking, investor dependent - early stage, investor dependent - growth stage, and cash flow dependent and innovation C&I. For further descriptions of these loan classes, refer to Note 1—Significant Accounting Policies and Basis of Presentation in the Notes to the Consolidated Financial Statements included in our 2024 Form 10-K. During the second quarter of 2025, the loan classes which were reported in the SVB portfolio in the 2024 Form 10-K were recast to the Commercial portfolio (the “2025 Loan Class Changes”) as summarized below: • Global fund banking remained a separate loan class, but is reported under the Commercial portfolio. • Investor dependent–early stage and investor dependent–growth stage were combined into a single investor dependent loan class, which is reported under the Commercial portfolio. • Cash flow dependent and innovation C&I was combined with the commercial and industrial loan class, which is reported under the Commercial portfolio. Loan and lease and ALLL disclosures for all periods presented in this Form 10-Q were recast to reflect the 2025 Loan Class Changes. Refer to Note 4—Loans and Leases and Note 5—Allowance for Loan and Lease Losses. The disclosures in Note 17—Segment Information were not recast as a result of the 2025 Loan Class Changes because the composition of reportable segments is separate and distinct from the identification of loan classes. Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions impact the amounts reported in the consolidated financial statements and accompanying notes and the disclosures provided, and actual results could differ from those estimates. The significant estimate related to the determination of the ALLL is considered a critical accounting estimate. SIGNIFICANT ACCOUNTING POLICIES Significant accounting policies are described in the 2024 Form 10-K. There were no material changes to these policies during the six months ended June 30, 2025. NOTE 2 — BUSINESS COMBINATIONS On March 27, 2023 (the “SVBB Acquisition Date”), FCB acquired substantially all loans and certain other assets and assumed all customer deposits and certain other liabilities of Silicon Valley Bridge Bank, N.A. (“SVBB”) from the Federal Deposit Insurance Corporation (the “FDIC”) pursuant to the terms of a purchase and assumption agreement (the “SVBB Purchase Agreement”) by and among FCB, the FDIC, and the FDIC, as receiver of SVBB (the “SVBB Acquisition”). In connection with the SVBB Purchase Agreement, FCB entered into a commercial shared loss agreement with the FDIC (the “Shared-Loss Agreement”). On April 7, 2025, FCB and the FDIC entered into an agreement (the “Shared-Loss Termination Agreement”) to terminate the Shared-Loss Agreement. As a result of entering into the Shared-Loss Termination Agreement, all rights and obligations of the parties under the Shared-Loss Agreement terminated as of the date of the Shared-Loss Termination Agreement, including FCB’s reporting covenants and obligations related to FDIC Loss Sharing and FCB reimbursement (each as defined in Note 2—Business Combinations in our 2024 Form 10-K). There was no impact to our consolidated balance sheets or statements of income resulting from the Shared-Loss Termination Agreement because there was no loss indemnification asset or true-up liability associated with the Shared-Loss Agreement, primarily based on evaluation of historical loss experience and the credit quality of the Covered Assets (as defined in Note 2—Business Combinations in our 2024 Form 10-K). In connection with the SVBB Acquisition, FCB issued a five-year $ 36.07 billion note payable to the FDIC, maturing March 27, 2028, which was amended and restated on November 20, 2023 (the “Purchase Money Note”). FCB and the FDIC, as lender and as collateral agent, also entered into an Advance Facility Agreement, dated as of the SVBB Acquisition Date, and effective as of November 20, 2023 (the “Advance Facility Agreement”), which provided total advances available through March 27, 2025 of up to $ 70 billion solely to provide liquidity to offset deposit withdrawal or runoff of former SVBB deposit accounts and to fund the unfunded commercial lending commitments acquired in the SVBB Acquisition. There were no amounts outstanding on the facility at the end of the draw period on March 27, 2025. Refer to Note 2—Business Combinations in our 2024 Form 10-K for further discussion of the SVBB Acquisition, Purchase Money Note, and the Advance Facility Agreement. 11 NOTE 3 — INVESTMENT SECURITIES The following tables include the amortized cost and fair value of investment securities: Amortized Cost and Fair Value - Investment Securities dollars in millions June 30, 2025 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 12,125 $ 50 $ ( 5 ) $ 12,170 Government agency 62 — ( 2 ) 60 Residential mortgage-backed securities 17,118 196 ( 390 ) 16,924 Commercial mortgage-backed securities 3,695 26 ( 185 ) 3,536 Corporate bonds 364 — ( 11 ) 353 Municipal bonds 17 — — 17 Total investment securities available for sale $ 33,381 $ 272 $ ( 593 ) $ 33,060 Investment in marketable equity securities $ 78 $ 24 $ ( 5 ) $ 97 Investment securities held to maturity U.S. Treasury $ 486 $ — $ ( 21 ) $ 465 Government agency 1,493 — ( 78 ) 1,415 Residential mortgage-backed securities 4,548 19 ( 565 ) 4,002 Commercial mortgage-backed securities 3,359 — ( 633 ) 2,726 Supranational securities 302 — ( 23 ) 279 Other 1 — — 1 Total investment securities held to maturity $ 10,189 $ 19 $ ( 1,320 ) $ 8,888 Total investment securities $ 43,648 $ 315 $ ( 1,918 ) $ 42,045 December 31, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 13,897 $ 33 $ ( 27 ) $ 13,903 Government agency 79 — ( 2 ) 77 Residential mortgage-backed securities 16,161 41 ( 582 ) 15,620 Commercial mortgage-backed securities 3,869 7 ( 210 ) 3,666 Corporate bonds 489 — ( 22 ) 467 Municipal bonds 17 — — 17 Total investment securities available for sale $ 34,512 $ 81 $ ( 843 ) $ 33,750 Investment in marketable equity securities $ 79 $ 27 $ ( 5 ) $ 101 Investment securities held to maturity U.S. Treasury $ 483 $ — $ ( 31 ) $ 452 Government agency 1,489 — ( 115 ) 1,374 Residential mortgage-backed securities 4,558 2 ( 682 ) 3,878 Commercial mortgage-backed securities 3,407 — ( 678 ) 2,729 Supranational securities 300 — ( 33 ) 267 Other 2 — — 2 Total investment securities held to maturity $ 10,239 $ 2 $ ( 1,539 ) $ 8,702 Total investment securities $ 44,830 $ 110 $ ( 2,387 ) $ 42,553 U.S. Treasury investments include Treasury bills and Notes issued by the U.S. Treasury. Investments in government agency securities represent securities issued by the Small Business Administration (“SBA”), Federal Home Loan Bank (“FHLB”) and other U.S. agencies. Investments in residential and commercial mortgage-backed securities represent securities issued by the Government National Mortgage Association, Federal National Mortgage Association and Federal Home Loan Mortgage Corporation. Investments in corporate bonds represent positions in debt securities of other financial institutions. Municipal bonds are revenue bonds. Investments in marketable equity securities represent positions in common stock of publicly traded financial institutions. Investments in supranational securities represent securities issued by the Supranational Entities & Multilateral Development Banks. Other held to maturity investments include certificates of deposit with other financial institutions. 12 BancShares initially held approximately 354,000 shares of Visa, Inc. (“Visa”) Class B common stock (“Visa Class B common stock”). Effective January 24, 2024, all outstanding shares of Visa Class B common stock were redenominated as Visa Class B-1 common stock (“Visa Class B-1 common stock”) pursuant to Visa’s eighth amended and restated certificate of incorporation. BancShares currently holds approximately 354,000 shares of Visa Class B-1 common stock. Until the resolution of certain litigation, at which time the Visa Class B-1 common stock will convert to publicly traded Visa Class A common stock, or the potential exchange of Visa Class B-1 common stock for other marketable classes of Visa common stock, these shares are only transferable to other stockholders of Visa Class B-1 common stock or certain new denominations of Visa’s former Class B common stock. As a result, there is limited transfer activity in private transactions between buyers and sellers. Given this limited trading activity and the continuing uncertainty regarding the likelihood, ultimate timing and eventual exchange of Visa Class B-1 common stock for shares of Visa Class A common stock or other marketable classes of Visa common stock, these shares are not considered to have a readily determinable fair value and have no carrying value. BancShares continues to monitor the trading activity in Visa Class B-1 common stock, the status of the resolution of certain litigation matters at Visa, and other potential exchange alternatives that would trigger the conversion of the Visa Class B-1 common stock into Visa Class A common stock or other marketable classes of Visa common stock. Accrued interest receivable for available for sale and held to maturity debt securities was excluded from the estimate for credit losses. At June 30, 2025, accrued interest receivable for available for sale and held to maturity debt securities was $ 175 million and $ 20 million, respectively. At December 31, 2024, accrued interest receivable for available for sale and held to maturity debt securities was $ 177 million and $ 20 million, respectively. During the three and six months ended June 30, 2025 and 2024, there was no accrued interest that was deemed uncollectible and written off against interest income. A security is considered past due once it is 30 days contractually past due under the terms of the agreement. There were no securities past due as of June 30, 2025 or December 31, 2024. The following table provides the amortized cost and fair value by contractual maturity. Expected maturities will differ from contractual maturities on certain securities because borrowers and issuers may have the right to call or prepay obligations with or without prepayment penalties. Residential and commercial mortgage-backed and government agency securities are stated separately as they are not due at a single maturity date. Maturities - Debt Securities dollars in millions June 30, 2025 December 31, 2024 Amortized Cost Fair Value Amortized Cost Fair Value Investment securities available for sale Non-amortizing securities maturing in: One year or less $ 6,293 $ 6,307 $ 5,090 $ 5,086 After one through five years 6,043 6,071 8,945 8,949 After five through 10 years 153 145 346 330 After 10 years 17 17 22 22 Government agency 62 60 79 77 Residential mortgage-backed securities 17,118 16,924 16,161 15,620 Commercial mortgage-backed securities 3,695 3,536 3,869 3,666 Total investment securities available for sale $ 33,381 $ 33,060 $ 34,512 $ 33,750 Investment securities held to maturity Non-amortizing securities maturing in: One year or less $ 467 $ 463 $ 429 $ 419 After one through five years 1,429 1,352 1,299 1,208 After five through 10 years 386 345 546 468 Residential mortgage-backed securities 4,548 4,002 4,558 3,878 Commercial mortgage-backed securities 3,359 2,726 3,407 2,729 Total investment securities held to maturity $ 10,189 $ 8,888 $ 10,239 $ 8,702 13 T he following table presents interest and dividend income on investment securities: Interest and Dividends on Investment Securities dollars in millions Three Months Ended June 30, Six Months Ended June 30, 2025 2024 2025 2024 Interest income - taxable investment securities (1) $ 418 $ 330 $ 831 $ 611 Dividend income - marketable equity securities 1 — 2 1 Interest on investment securities $ 419 $ 330 $ 833 $ 612 (1) Amount includes interest income on securities purchased under agreements to resell. The following table presents the gross realized gain and loss on sales of investment securities available for sale, and the net realized gain on sale of marketable equity securities: Realized Gain (Loss) on Sale of Investment Securities, Net dollars in millions Three Months Ended June 30, Six Months Ended June 30, 2025 2024 2025 2024 Gross realized gain on sale of investment securities available for sale $ — $ — $ 1 $ — Gross realized loss on sale of investment securities available for sale — — ( 2 ) — Net realized loss on sale of investment securities available for sale — — ( 1 ) — Net realized gain on sale of marketable equity securities — — 1 — Realized gain (loss) on sale of investment securities, net $ — $ — $ — $ — The following table provides information regarding investment securities available for sale with unrealized losses: Gross Unrealized Losses on Debt Securities Available For Sale dollars in millions June 30, 2025 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Investment securities available for sale U.S. Treasury $ 1,201 $ ( 2 ) $ 395 $ ( 3 ) $ 1,596 $ ( 5 ) Government agency — — 60 ( 2 ) 60 ( 2 ) Residential mortgage-backed securities 616 ( 4 ) 3,441 ( 386 ) 4,057 ( 390 ) Commercial mortgage-backed securities 338 ( 1 ) 1,259 ( 184 ) 1,597 ( 185 ) Corporate bonds 51 — 284 ( 11 ) 335 ( 11 ) Total $ 2,206 $ ( 7 ) $ 5,439 $ ( 586 ) $ 7,645 $ ( 593 ) December 31, 2024 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Investment securities available for sale U.S. Treasury $ 3,791 $ ( 12 ) $ 981 $ ( 15 ) $ 4,772 $ ( 27 ) Government agency — — 77 ( 2 ) 77 ( 2 ) Residential mortgage-backed securities 7,470 ( 61 ) 3,575 ( 521 ) 11,045 ( 582 ) Commercial mortgage-backed securities 1,183 ( 8 ) 1,342 ( 202 ) 2,525 ( 210 ) Corporate bonds 16 — 438 ( 22 ) 454 ( 22 ) Total $ 12,460 $ ( 81 ) $ 6,413 $ ( 762 ) $ 18,873 $ ( 843 ) 14 As of June 30, 2025, there were 458 investment securities available for sale with continuous unrealized losses for more than 12 months, of which 414 were government sponsored enterprise-issued mortgage-backed securities, government agency securities, or U.S. Treasury securities and the remaining 44 were corporate bonds. BancShares has the ability and intent to retain these securities for a period of time sufficient to recover all unrealized losses. Given the consistently strong credit rating of the U.S. Treasury, and the long history of no credit losses on debt securities issued by government agencies and government sponsored entities, as of June 30, 2025, no allowance for credit loss was required. For corporate bonds, we analyzed the changes in interest rates relative to when the investment securities were purchased or acquired, and considered other factors including changes in credit ratings, delinquencies, and other macroeconomic factors. As a result of this analysis, we determined that no allowance for credit loss was required for investment securities available for sale as of June 30, 2025. BancShares’ portfolio of held to maturity debt securities consists of mortgage-backed securities issued by government agencies and government sponsored entities, U.S. Treasury notes, unsecured bonds issued by government agencies and government sponsored entities, and securities issued by the Supranational Entities & Multilateral Development Banks. Given the consistently strong credit rating of the U.S. Treasury, the Supranational Entities & Multilateral Development Banks and the long history of no credit losses on debt securities issued by government agencies and government sponsored entities, no allowance for credit loss was required for debt securities held to maturity as of June 30, 2025. There were no debt securities on nonaccrual status as of June 30, 2025 or December 31, 2024. Investment securities having an aggregate carrying value of $ 4.00 billion at June 30, 2025, and $ 3.94 billion at December 31, 2024, were pledged as collateral to secure public funds on deposit and certain short-term borrowings, and for other purposes as required by law. Certain investments held by BancShares are reported in other assets, including FHLB stock and nonmarketable securities without readily determinable fair values that are recorded at cost, and investments in qualified affordable housing projects, all of which are accounted for under the proportional amortization method (the “PAM”). 15 NOTE 4 — LOANS AND LEASES Unless otherwise noted, loans held for sale are not included in the following tables. Leases in the following tables include finance leases, but exclude operating lease equipment. Loans by Class dollars in millions June 30, 2025 December 31, 2024 Commercial Commercial construction $ 5,714 $ 5,109 Owner occupied commercial mortgage 17,053 16,842 Non-owner occupied commercial mortgage 16,100 16,194 Commercial and industrial 40,658 40,737 Leases 2,028 2,014 Global fund banking 28,677 27,904 Investor dependent 2,777 3,193 Total commercial 113,007 111,993 Consumer Residential mortgage 23,059 23,152 Revolving mortgage 2,736 2,567 Consumer auto 1,490 1,523 Consumer other 977 986 Total consumer 28,262 28,228 Total loans and leases $ 141,269 $ 140,221 Refer to Note 1—Significant Accounting Policies and Basis of Presentation for discussion related to changes in loan classes. At June 30, 2025 and December 31, 2024, accrued interest receivable on loans included in other assets was $ 605 million and $ 603 million, respectively, and was excluded from the estimate of credit losses. The discount on acquired loans is accreted to interest income over the contractual life of the loan using the effective interest method. Discount accretion income was $ 75 million and $ 159 million for the three and six months ended June 30, 2025, including $ 4 million and $ 12 million for unfunded commitments, respectively. Discount accretion income was $ 145 million and $ 308 million for the three and six months ended June 30, 2024, including $ 20 million and $ 56 million for unfunded commitments, respectively. The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans. Components of Amortized Cost dollars in millions June 30, 2025 December 31, 2024 Deferred fees, including unamortized costs and unearned fees on non-PCD loans $ ( 88 ) $ ( 91 ) Net unamortized discount on acquired loans Non-PCD $ 1,399 $ 1,504 PCD 51 94 Total net unamortized discount $ 1,450 $ 1,598 16 The aging and nonaccrual status of the outstanding loans and leases by class at June 30, 2025 and December 31, 2024 are provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement. Loans and Leases - Delinquency and Nonaccrual Status (1) (2) dollars in millions June 30, 2025 Accruing Loans 30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Total Past Due Current Total Accruing Nonaccrual Loans Total Commercial Commercial construction $ 24 $ — $ 25 $ 49 $ 5,644 $ 5,693 $ 21 $ 5,714 Owner occupied commercial mortgage 50 36 8 94 16,867 16,961 92 17,053 Non-owner occupied commercial mortgage 4 58 88 150 15,615 15,765 335 16,100 Commercial and industrial 105 74 10 189 39,907 40,096 562 40,658 Leases 22 7 — 29 1,971 2,000 28 2,028 Global fund banking — — — — 28,677 28,677 — 28,677 Investor dependent 2 2 — 4 2,704 2,708 69 2,777 Total commercial 207 177 131 515 111,385 111,900 1,107 113,007 Consumer Residential mortgage 141 29 5 175 22,713 22,888 171 23,059 Revolving mortgage 14 2 — 16 2,688 2,704 32 2,736 Consumer auto 9 2 — 11 1,471 1,482 8 1,490 Consumer other 6 3 2 11 965 976 1 977 Total consumer 170 36 7 213 27,837 28,050 212 28,262 Total loans and leases $ 377 $ 213 $ 138 $ 728 $ 139,222 $ 139,950 $ 1,319 $ 141,269 December 31, 2024 Accruing Loans 30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Total Past Due Current Total Accruing Nonaccrual Loans Total Commercial Commercial construction $ 21 $ 1 $ 1 $ 23 $ 5,077 $ 5,100 $ 9 $ 5,109 Owner occupied commercial mortgage 30 9 2 41 16,739 16,780 62 16,842 Non-owner occupied commercial mortgage 43 27 78 148 15,621 15,769 425 16,194 Commercial and industrial 170 40 16 226 40,122 40,348 389 40,737 Leases 33 11 2 46 1,937 1,983 31 2,014 Global fund banking — — — — 27,904 27,904 — 27,904 Investor dependent 10 1 — 11 3,095 3,106 87 3,193 Total commercial 307 89 99 495 110,495 110,990 1,003 111,993 Consumer Residential mortgage 172 27 7 206 22,798 23,004 148 23,152 Revolving mortgage 20 4 — 24 2,519 2,543 24 2,567 Consumer auto 12 3 — 15 1,500 1,515 8 1,523 Consumer other 5 3 3 11 974 985 1 986 Total consumer 209 37 10 256 27,791 28,047 181 28,228 Total loans and leases $ 516 $ 126 $ 109 $ 751 $ 138,286 $ 139,037 $ 1,184 $ 140,221 (1) Accrued interest that was reversed when the loan went to nonaccrual status was $ 10 million for the six months ended June 30, 2025 and $ 14 million for the year ended December 31, 2024. (2) Nonaccrual loans for which there was no related ALLL totaled $ 362 million at June 30, 2025 and $ 303 million at December 31, 2024. Other real estate owned (“OREO”) and repossessed assets were $ 103 million as of June 30, 2025 and $ 64 million as of December 31, 2024. 17 Credit Quality Indicators Loans and leases are monitored for credit quality on a recurring basis. Commercial loans and leases and consumer loans have different credit quality indicators as a result of the unique characteristics of the loan classes being evaluated. The credit quality indicators for commercial loans and leases are developed through a review of individual borrowers on an ongoing basis. Commercial loans are evaluated periodically with more frequent evaluations done on criticized loans. The indicators as of the date presented are based on the most recent assessment performed and are defined below: Pass – A pass rated asset is not adversely classified because it does not display any of the characteristics for adverse classification. Special mention – A special mention asset has potential weaknesses which deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification. Substandard – A substandard asset is inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected. Doubtful – An asset classified as doubtful has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable on the basis of currently existing facts, conditions and values. Loss – Assets classified as loss are considered uncollectible and of such little value it is inappropriate to be carried as an asset. This classification is not necessarily equivalent to any potential for recovery or salvage value, but rather it is not appropriate to defer a full charge-off even though partial recovery may be affected in the future. Ungraded – Ungraded loans represent loans not included in the individual credit grading process due to their relatively small balances or borrower type. The majority of ungraded loans at June 30, 2025 and December 31, 2024, relate to business credit cards. Business credit card loans are subject to automatic charge-off when they become 120 days past due in the same manner as unsecured consumer lines of credit. The credit quality indicator for consumer loans is based on delinquency status of the borrower as of the date presented. As the borrower becomes more delinquent, the likelihood of loss increases. An exemption is applied to government guaranteed loans as the principal repayments are insured by the Federal Housing Administration and U.S. Department of Veterans Affairs and thus remain on accrual status regardless of delinquency status. The following tables summarize the commercial loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include purchased credit deteriorated (“PCD”) loans. 18 Commercial Loans - Risk Classifications by Class June 30, 2025 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2025 2024 2023 2022 2021 2020 & Prior Revolving Total Commercial construction Pass $ 1,169 $ 1,610 $ 1,540 $ 666 $ 97 $ 85 $ 344 $ — $ 5,511 Special Mention — — 56 — — 7 — — 63 Substandard 21 12 2 86 14 2 — — 137 Doubtful 3 — — — — — — — 3 Ungraded — — — — — — — — — Total commercial construction 1,193 1,622 1,598 752 111 94 344 — 5,714 Owner occupied commercial mortgage Pass 1,264 2,645 2,420 2,568 2,406 4,503 208 29 16,043 Special Mention 22 27 54 108 42 56 2 — 311 Substandard 24 47 105 189 72 239 17 1 694 Doubtful — — 4 — 1 — — — 5 Ungraded — — — — — — — — — Total owner occupied commercial mortgage 1,310 2,719 2,583 2,865 2,521 4,798 227 30 17,053 Non-owner occupied commercial mortgage Pass 1,379 2,943 3,330 2,431 1,479 2,819 102 3 14,486 Special Mention 57 26 170 157 4 16 — — 430 Substandard 229 289 156 139 42 243 2 — 1,100 Doubtful 7 12 — 13 4 48 — — 84 Ungraded — — — — — — — — — Total non-owner occupied commercial mortgage 1,672 3,270 3,656 2,740 1,529 3,126 104 3 16,100 Commercial and industrial Pass 6,411 9,072 4,805 3,649 1,927 1,908 8,923 51 36,746 Special Mention 104 178 130 221 172 50 133 — 988 Substandard 247 232 448 639 351 77 579 3 2,576 Doubtful 18 17 32 33 11 1 86 — 198 Ungraded — — — — — — 150 — 150 Total commercial and industrial 6,780 9,499 5,415 4,542 2,461 2,036 9,871 54 40,658 Leases Pass 414 629 417 217 97 84 — — 1,858 Special Mention 11 20 15 22 3 1 — — 72 Substandard 13 26 25 12 9 5 — — 90 Doubtful 1 2 2 2 1 — — — 8 Ungraded — — — — — — — — — Total leases 439 677 459 253 110 90 — — 2,028 Global fund banking Pass 325 890 144 106 13 18 27,164 13 28,673 Special Mention — — — — — — — — — Substandard — — — 3 — — 1 — 4 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total global fund banking 325 890 144 109 13 18 27,165 13 28,677 Investor dependent Pass 514 906 279 166 4 — 261 — 2,130 Special Mention 26 32 24 6 9 — 4 — 101 Substandard 8 178 165 69 6 — 51 — 477 Doubtful 2 24 11 19 4 — 9 — 69 Ungraded — — — — — — — — — Total investor dependent 550 1,140 479 260 23 — 325 — 2,777 Total commercial $ 12,269 $ 19,817 $ 14,334 $ 11,521 $ 6,768 $ 10,162 $ 38,036 $ 100 $ 113,007 19 Consumer Loans - Delinquency Status by Class June 30, 2025 Days Past Due: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2025 2024 2023 2022 2021 2020 & Prior Revolving Total Residential mortgage Current $ 983 $ 2,265 $ 2,769 $ 5,022 $ 4,914 $ 6,795 $ 5 $ — $ 22,753 30-59 days — 4 14 23 14 99 — — 154 60-89 days — 1 2 6 5 30 — — 44 90 days or greater 1 1 4 8 13 81 — — 108 Total residential mortgage 984 2,271 2,789 5,059 4,946 7,005 5 — 23,059 Revolving mortgage Current — — — — — — 2,580 120 2,700 30-59 days — — — — — — 11 5 16 60-89 days — — — — — — 1 4 5 90 days or greater — — — — — — 3 12 15 Total revolving mortgage — — — — — — 2,595 141 2,736 Consumer auto Current 298 508 283 214 112 59 — — 1,474 30-59 days — 3 3 2 1 1 — — 10 60-89 days — 1 1 1 — — — — 3 90 days or greater — 1 1 1 — — — — 3 Total consumer auto 298 513 288 218 113 60 — — 1,490 Consumer other Current 47 126 103 75 21 20 574 — 966 30-59 days — 1 1 — — — 3 — 5 60-89 days — — — — — 1 2 — 3 90 days or greater — — — — — 1 2 — 3 Total consumer other 47 127 104 75 21 22 581 — 977 Total consumer $ 1,329 $ 2,911 $ 3,181 $ 5,352 $ 5,080 $ 7,087 $ 3,181 $ 141 $ 28,262 20 The following tables represent current credit quality indicators by origination year as of December 31, 2024: Commercial Loans - Risk Classifications by Class