SEC EDGAR · 10-Q
10-Q – 2025-11-07 – fcnca-20250930.htm
493728 tecken · 3 HTML-del(ar)
Automatiskt nyckeltalsindex
Detta är sökträffar och textkontext, inte verifierade eller normaliserade redovisningsvärden.
Omsättning
- Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | 114
- FDIC Federal Deposit Insurance Corporation PD Probability of Obligor Default | Federal Reserve Board of Governors of the Federal Reserve System PPNR Pre-provision net revenue | FHLB Federal Home Loan Bank ROU Right of Use
- Purchases of marketable equity securities — ( 6 ) | Proceeds from sales of investments in marketable equity securities — 15 | Purchases of investment securities available for sale ( 7,476 ) ( 13,339 )
- Proceeds from maturities of investment securities available for sale 5,802 5,036 | Proceeds from sales of investment securities available for sale 1,196 695 | Purchases of investment securities held to maturity ( 389 ) ( 791 )
- Net increase in loans ( 4,987 ) ( 5,606 ) | Proceeds from sales of loans 220 244 | Net increase in credit balances of factoring clients 392 161
- Purchases of operating lease equipment ( 522 ) ( 793 ) | Proceeds from sales of operating lease equipment 195 149 | Purchases of premises and equipment ( 467 ) ( 301 )
- Proceeds from sales of other real estate owned 20 16
- 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 | 14
Periodens resultat
- Income tax expense 183 234 534 779 | Net income $ 568 $ 639 $ 1,626 $ 2,077 | Preferred stock dividends 14 15 43 46
- Preferred stock dividends 14 15 43 46 | Net income available to common stockholders $ 554 $ 624 $ 1,583 $ 2,031 | Earnings per common share
- dollars in millions 2025 2024 2025 2024 | Net income $ 568 $ 639 $ 1,626 $ 2,077 | Other comprehensive income, net of tax
- Balance at June 30, 2025 $ 881 $ 12 $ 1 $ 1,179 $ 20,337 $ ( 114 ) $ 22,296 | Net income — — — — 568 — 568 | Other comprehensive income, net of tax — — — — — 70 70
- Balance at June 30, 2024 $ 881 $ 14 $ 1 $ 4,099 $ 18,102 $ ( 610 ) $ 22,487 | Net income — — — — 639 — 639 | Other comprehensive income, net of tax — — — — — 451 451
- Balance at December 31, 2024 $ 881 $ 13 $ 1 $ 2,417 $ 19,361 $ ( 445 ) $ 22,228 | Net income — — — — 1,626 — 1,626 | Other comprehensive income, net of tax — — — — — 401 401
- Balance at December 31, 2023 $ 881 $ 14 $ 1 $ 4,108 $ 16,742 $ ( 491 ) $ 21,255 | Net income — — — — 2,077 — 2,077 | Other comprehensive income, net of tax — — — — — 332 332
- CASH FLOWS FROM OPERATING ACTIVITIES | Net income $ 1,626 $ 2,077 | Adjustments to reconcile net income to cash provided by operating activities:
Kassaflöde
- Net unrealized (loss) gain on cash flow hedge derivatives ( 1 ) 12 5 14 | Other comprehensive income, net of tax $ 70 $ 451 $ 401 $ 332
- 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 Consumer portfolio consisted of the following loan classes: residential mortgage, revolving mortgage, consumer auto, and consumer other. | • 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 ( 54 ) ( 11 ) | Net cash provided by operating activities 1,873 1,869 | CASH FLOWS FROM INVESTING ACTIVITIES
- Other investing activities ( 463 ) ( 279 ) | Net cash used in investing activities ( 9,240 ) ( 6,411 ) | CASH FLOWS FROM FINANCING ACTIVITIES
- Other financing activities 1 ( 14 ) | Net cash provided by financing activities 7,427 4,496
- (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 211,502 201,492 | Stockholders’ equity | Preferred stock - $ 0.01 par value ( 20,000,000 shares authorized at September 30, 2025 and December 31, 2024)
- Accumulated other comprehensive loss ( 44 ) ( 445 ) | Total stockholders’ equity 21,986 22,228 | Total liabilities and stockholders’ equity $ 233,488 $ 223,720
- Total stockholders’ equity 21,986 22,228 | Total liabilities and stockholders’ equity $ 233,488 $ 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 June 30, 2025 $ 881 $ 12 $ 1 $ 1,179 $ 20,337 $ ( 114 ) $ 22,296
- Nine 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 November 3, 2025)
- Diluted $ 43.08 $ 43.42 $ 119.70 $ 140.26 | Weighted average common shares outstanding | Basic 12,849,339 14,375,974 13,217,940 14,480,874
- Number of Shares of Common Stock
- Net income available to common stockholders $ 554 $ 624 $ 1,583 $ 2,031 | Weighted average common shares outstanding | Basic shares outstanding 12,849,339 14,375,974 13,217,940 14,480,874
- Weighted average common shares outstanding | Basic shares outstanding 12,849,339 14,375,974 13,217,940 14,480,874 | Stock-based awards — — — 1,045
- Stock-based awards — — — 1,045 | Diluted shares outstanding 12,849,339 14,375,974 13,217,940 14,481,919 | Earnings per common share
- During the third quarter of 2025, we repurchased 457,350 shares of our Class A common stock for approximately $900 million. Shares repurchased during the third quarter of 2025 represented 3.79% of Class A common shares and 3.50% of total Class A and Class B common shares outstanding at June 30, 2025. From inception of the 2024 SRP through September 30, 2025, we have repurchased 1,913,633 shares of our Class A common stock for approximately $3.79 billion, representing 14.15% of Class A common sha
- Per Common Share Information: | Weighted average common shares outstanding (diluted) 12,849,339 13,237,226 14,375,974 13,217,940 14,481,919 | Diluted earnings per common share $ 43.08 $ 42.36 $ 43.42 $ 119.70 $ 140.26
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.
Fulltext
Dokumentet är delat för att hålla varje sida lätt att hämta. Del 1 · Del 2 · Del 3
fcnca-20250930 FIRST CITIZENS BANCSHARES INC /DE/ 0000798941 12/31 2025 Q3 FALSE http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets 7 6 11 5 17 14 14 12 60 0 9 7 15 10 14 6 48 5 19 0 60 0 16 6 15 10 15 0 28 18 20 40 15 12 11 6 11 8 18 14 70 11 60 0 29 0 57 0 66 11 19 14 8 7 13 6 9 36 15 12 60 0 11 6 13 11 21 8 58 0 18 0 60 0 24 8 13 11 36 0 17 6 7 6 15 6 11 0 9 6 14 6 47 11 60 0 31 0 60 0 52 11 14 6 http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization http://fasb.org/us-gaap/2025#PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization http://fasb.org/us-gaap/2025#OtherLiabilities http://fasb.org/us-gaap/2025#OtherLiabilities http://fasb.org/us-gaap/2025#OtherBorrowings http://fasb.org/us-gaap/2025#OtherBorrowings xbrli:shares iso4217:USD iso4217:USD xbrli:shares fcnca:branch fcnca:security xbrli:pure fcnca:vote 0000798941 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassAMember 2025-01-01 2025-09-30 0000798941 fcnca:DepositarySharesMember 2025-01-01 2025-09-30 0000798941 us-gaap:SeriesCPreferredStockMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassAMember 2025-11-03 0000798941 us-gaap:CommonClassBMember 2025-11-03 0000798941 2025-09-30 0000798941 2024-12-31 0000798941 us-gaap:CommonClassAMember 2025-09-30 0000798941 us-gaap:CommonClassAMember 2024-12-31 0000798941 us-gaap:CommonClassBMember 2025-09-30 0000798941 us-gaap:CommonClassBMember 2024-12-31 0000798941 2025-07-01 2025-09-30 0000798941 2024-07-01 2024-09-30 0000798941 2024-01-01 2024-09-30 0000798941 fcnca:LendingRelatedFeesMember 2025-07-01 2025-09-30 0000798941 fcnca:LendingRelatedFeesMember 2024-07-01 2024-09-30 0000798941 fcnca:LendingRelatedFeesMember 2025-01-01 2025-09-30 0000798941 fcnca:LendingRelatedFeesMember 2024-01-01 2024-09-30 0000798941 fcnca:DepositFeesAndServiceChargesMember 2025-07-01 2025-09-30 0000798941 fcnca:DepositFeesAndServiceChargesMember 2024-07-01 2024-09-30 0000798941 fcnca:DepositFeesAndServiceChargesMember 2025-01-01 2025-09-30 0000798941 fcnca:DepositFeesAndServiceChargesMember 2024-01-01 2024-09-30 0000798941 fcnca:ClientInvestmentServiceMember 2025-07-01 2025-09-30 0000798941 fcnca:ClientInvestmentServiceMember 2024-07-01 2024-09-30 0000798941 fcnca:ClientInvestmentServiceMember 2025-01-01 2025-09-30 0000798941 fcnca:ClientInvestmentServiceMember 2024-01-01 2024-09-30 0000798941 us-gaap:AssetManagement1Member 2025-07-01 2025-09-30 0000798941 us-gaap:AssetManagement1Member 2024-07-01 2024-09-30 0000798941 us-gaap:AssetManagement1Member 2025-01-01 2025-09-30 0000798941 us-gaap:AssetManagement1Member 2024-01-01 2024-09-30 0000798941 fcnca:InternationalFeesMember 2025-07-01 2025-09-30 0000798941 fcnca:InternationalFeesMember 2024-07-01 2024-09-30 0000798941 fcnca:InternationalFeesMember 2025-01-01 2025-09-30 0000798941 fcnca:InternationalFeesMember 2024-01-01 2024-09-30 0000798941 fcnca:FactoringCommissionsMember 2025-07-01 2025-09-30 0000798941 fcnca:FactoringCommissionsMember 2024-07-01 2024-09-30 0000798941 fcnca:FactoringCommissionsMember 2025-01-01 2025-09-30 0000798941 fcnca:FactoringCommissionsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CreditAndDebitCardMember 2025-07-01 2025-09-30 0000798941 us-gaap:CreditAndDebitCardMember 2024-07-01 2024-09-30 0000798941 us-gaap:CreditAndDebitCardMember 2025-01-01 2025-09-30 0000798941 us-gaap:CreditAndDebitCardMember 2024-01-01 2024-09-30 0000798941 fcnca:MerchantServicesMember 2025-07-01 2025-09-30 0000798941 fcnca:MerchantServicesMember 2024-07-01 2024-09-30 0000798941 fcnca:MerchantServicesMember 2025-01-01 2025-09-30 0000798941 fcnca:MerchantServicesMember 2024-01-01 2024-09-30 0000798941 fcnca:InsuranceCommissionsMember 2025-07-01 2025-09-30 0000798941 fcnca:InsuranceCommissionsMember 2024-07-01 2024-09-30 0000798941 fcnca:InsuranceCommissionsMember 2025-01-01 2025-09-30 0000798941 fcnca:InsuranceCommissionsMember 2024-01-01 2024-09-30 0000798941 us-gaap:PreferredStockMember 2025-06-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2025-06-30 0000798941 us-gaap:CommonClassBMember us-gaap:CommonStockMember 2025-06-30 0000798941 us-gaap:AdditionalPaidInCapitalMember 2025-06-30 0000798941 us-gaap:RetainedEarningsMember 2025-06-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-06-30 0000798941 2025-06-30 0000798941 us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommonClassAMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:AdditionalPaidInCapitalMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommonClassBMember us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommonClassBMember 2025-07-01 2025-09-30 0000798941 us-gaap:SeriesAPreferredStockMember us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000798941 us-gaap:SeriesAPreferredStockMember 2025-07-01 2025-09-30 0000798941 us-gaap:SeriesBPreferredStockMember us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000798941 us-gaap:SeriesBPreferredStockMember 2025-07-01 2025-09-30 0000798941 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000798941 us-gaap:SeriesCPreferredStockMember 2025-07-01 2025-09-30 0000798941 us-gaap:PreferredStockMember 2025-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2025-09-30 0000798941 us-gaap:CommonClassBMember us-gaap:CommonStockMember 2025-09-30 0000798941 us-gaap:AdditionalPaidInCapitalMember 2025-09-30 0000798941 us-gaap:RetainedEarningsMember 2025-09-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-09-30 0000798941 us-gaap:PreferredStockMember 2024-06-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2024-06-30 0000798941 us-gaap:CommonClassBMember us-gaap:CommonStockMember 2024-06-30 0000798941 us-gaap:AdditionalPaidInCapitalMember 2024-06-30 0000798941 us-gaap:RetainedEarningsMember 2024-06-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-06-30 0000798941 2024-06-30 0000798941 us-gaap:RetainedEarningsMember 2024-07-01 2024-09-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-07-01 2024-09-30 0000798941 us-gaap:AdditionalPaidInCapitalMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommonClassAMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:AdditionalPaidInCapitalMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:RetainedEarningsMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommonClassBMember us-gaap:RetainedEarningsMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommonClassBMember 2024-07-01 2024-09-30 0000798941 us-gaap:SeriesAPreferredStockMember us-gaap:RetainedEarningsMember 2024-07-01 2024-09-30 0000798941 us-gaap:SeriesAPreferredStockMember 2024-07-01 2024-09-30 0000798941 us-gaap:SeriesBPreferredStockMember us-gaap:RetainedEarningsMember 2024-07-01 2024-09-30 0000798941 us-gaap:SeriesBPreferredStockMember 2024-07-01 2024-09-30 0000798941 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2024-07-01 2024-09-30 0000798941 us-gaap:SeriesCPreferredStockMember 2024-07-01 2024-09-30 0000798941 us-gaap:PreferredStockMember 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2024-09-30 0000798941 us-gaap:CommonClassBMember us-gaap:CommonStockMember 2024-09-30 0000798941 us-gaap:AdditionalPaidInCapitalMember 2024-09-30 0000798941 us-gaap:RetainedEarningsMember 2024-09-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-09-30 0000798941 2024-09-30 0000798941 us-gaap:PreferredStockMember 2024-12-31 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2024-12-31 0000798941 us-gaap:CommonClassBMember us-gaap:CommonStockMember 2024-12-31 0000798941 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0000798941 us-gaap:RetainedEarningsMember 2024-12-31 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000798941 us-gaap:RetainedEarningsMember 2025-01-01 2025-09-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:RetainedEarningsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassBMember us-gaap:RetainedEarningsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommonClassBMember 2025-01-01 2025-09-30 0000798941 us-gaap:SeriesAPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-09-30 0000798941 us-gaap:SeriesAPreferredStockMember 2025-01-01 2025-09-30 0000798941 us-gaap:SeriesBPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-09-30 0000798941 us-gaap:SeriesBPreferredStockMember 2025-01-01 2025-09-30 0000798941 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-09-30 0000798941 us-gaap:PreferredStockMember 2023-12-31 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2023-12-31 0000798941 us-gaap:CommonClassBMember us-gaap:CommonStockMember 2023-12-31 0000798941 us-gaap:AdditionalPaidInCapitalMember 2023-12-31 0000798941 us-gaap:RetainedEarningsMember 2023-12-31 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-12-31 0000798941 2023-12-31 0000798941 us-gaap:RetainedEarningsMember 2024-01-01 2024-09-30 0000798941 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-01-01 2024-09-30 0000798941 us-gaap:AdditionalPaidInCapitalMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommonClassAMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:CommonStockMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:AdditionalPaidInCapitalMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommonClassAMember us-gaap:RetainedEarningsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommonClassBMember us-gaap:RetainedEarningsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommonClassBMember 2024-01-01 2024-09-30 0000798941 us-gaap:SeriesAPreferredStockMember us-gaap:RetainedEarningsMember 2024-01-01 2024-09-30 0000798941 us-gaap:SeriesAPreferredStockMember 2024-01-01 2024-09-30 0000798941 us-gaap:SeriesBPreferredStockMember us-gaap:RetainedEarningsMember 2024-01-01 2024-09-30 0000798941 us-gaap:SeriesBPreferredStockMember 2024-01-01 2024-09-30 0000798941 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2024-01-01 2024-09-30 0000798941 us-gaap:SeriesCPreferredStockMember 2024-01-01 2024-09-30 0000798941 fcnca:BankOfMontrealBankNationalAssociationMember us-gaap:SubsequentEventMember 2025-10-16 0000798941 fcnca:PurchaseMoneyNoteMember 2023-03-27 2023-03-27 0000798941 fcnca:PurchaseMoneyNoteMember 2023-03-27 0000798941 fcnca:AdvanceFacilityAgreementMember 2023-03-27 0000798941 us-gaap:USTreasurySecuritiesMember 2025-09-30 0000798941 us-gaap:AgencySecuritiesMember 2025-09-30 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-09-30 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember 2025-09-30 0000798941 us-gaap:CorporateDebtSecuritiesMember 2025-09-30 0000798941 us-gaap:MunicipalBondsMember 2025-09-30 0000798941 fcnca:SupranationalSecuritiesMember 2025-09-30 0000798941 us-gaap:OtherDebtSecuritiesMember 2025-09-30 0000798941 us-gaap:USTreasurySecuritiesMember 2024-12-31 0000798941 us-gaap:AgencySecuritiesMember 2024-12-31 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember 2024-12-31 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember 2024-12-31 0000798941 us-gaap:CorporateDebtSecuritiesMember 2024-12-31 0000798941 us-gaap:MunicipalBondsMember 2024-12-31 0000798941 fcnca:SupranationalSecuritiesMember 2024-12-31 0000798941 us-gaap:OtherDebtSecuritiesMember 2024-12-31 0000798941 fcnca:VisaIncMember us-gaap:CommonClassBMember 2025-09-30 0000798941 fcnca:VisaIncMember fcnca:CommonClassB1Member 2024-01-24 0000798941 us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:AgencySecuritiesMember 2025-09-30 0000798941 us-gaap:AgencySecuritiesMember 2024-12-31 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-09-30 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember 2024-12-31 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember 2025-09-30 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember 2024-12-31 0000798941 us-gaap:USTreasurySecuritiesMember 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember 2025-09-30 0000798941 us-gaap:USTreasurySecuritiesMember 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember 2024-12-31 0000798941 us-gaap:USTreasuryAndGovernmentMember 2025-09-30 0000798941 us-gaap:AssetPledgedAsCollateralMember 2025-09-30 0000798941 us-gaap:AssetPledgedAsCollateralMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2024-12-31 0000798941 us-gaap:UnfundedLoanCommitmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:UnfundedLoanCommitmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:UnfundedLoanCommitmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:UnfundedLoanCommitmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember 2025-09-30 0000798941 us-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember 2024-12-31 0000798941 us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember 2025-09-30 0000798941 us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-09-30 0000798941 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-09-30 0000798941 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000798941 us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:GlobalFundBankingMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0000798941 us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0000798941 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000798941 us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000798941 2024-01-01 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PassMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:UngradedMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:PassMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:SpecialMentionMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:SubstandardMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:DoubtfulMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:UngradedMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:PassMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:SpecialMentionMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:SubstandardMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:DoubtfulMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:UngradedMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:PassMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:SpecialMentionMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:SubstandardMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:DoubtfulMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:UngradedMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:PassMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:SpecialMentionMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:SubstandardMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:DoubtfulMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember fcnca:UngradedMember 2025-09-30 0000798941 us-gaap:PassMember fcnca:GlobalFundBankingMember 2025-09-30 0000798941 us-gaap:SpecialMentionMember fcnca:GlobalFundBankingMember 2025-09-30 0000798941 us-gaap:SubstandardMember fcnca:GlobalFundBankingMember 2025-09-30 0000798941 us-gaap:DoubtfulMember fcnca:GlobalFundBankingMember 2025-09-30 0000798941 fcnca:UngradedMember fcnca:GlobalFundBankingMember 2025-09-30 0000798941 fcnca:GlobalFundBankingMember 2025-09-30 0000798941 us-gaap:PassMember fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 us-gaap:SpecialMentionMember fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 us-gaap:SubstandardMember fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 us-gaap:DoubtfulMember fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 fcnca:UngradedMember fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 fcnca:InvestorDependentEarlyStageMember 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PassMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:UngradedMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:PassMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:SpecialMentionMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:SubstandardMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:DoubtfulMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:UngradedMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:PassMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:SpecialMentionMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:SubstandardMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:DoubtfulMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:UngradedMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:PassMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:SpecialMentionMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:SubstandardMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:DoubtfulMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:UngradedMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:PassMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:SpecialMentionMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:SubstandardMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember us-gaap:DoubtfulMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember fcnca:UngradedMember 2024-12-31 0000798941 us-gaap:PassMember fcnca:GlobalFundBankingMember 2024-12-31 0000798941 us-gaap:SpecialMentionMember fcnca:GlobalFundBankingMember 2024-12-31 0000798941 us-gaap:SubstandardMember fcnca:GlobalFundBankingMember 2024-12-31 0000798941 us-gaap:DoubtfulMember fcnca:GlobalFundBankingMember 2024-12-31 0000798941 fcnca:UngradedMember fcnca:GlobalFundBankingMember 2024-12-31 0000798941 fcnca:GlobalFundBankingMember 2024-12-31 0000798941 us-gaap:PassMember fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 us-gaap:SpecialMentionMember fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 us-gaap:SubstandardMember fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 us-gaap:DoubtfulMember fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 fcnca:UngradedMember fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 fcnca:InvestorDependentEarlyStageMember 2024-12-31 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000798941 us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000798941 us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-07-01 2025-09-30 0000798941 fcnca:TermExtensionAndPaymentDelayMember 2025-07-01 2025-09-30 0000798941 fcnca:OtherCombinationsMember 2025-07-01 2025-09-30 0000798941 fcnca:CommercialAndIndustrialLoanMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000798941 us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000798941 us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-07-01 2024-09-30 0000798941 fcnca:TermExtensionAndPaymentDelayMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-07-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2024-07-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:ConsumerLoanOtherMember 2024-07-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000798941 us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000798941 us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-09-30 0000798941 fcnca:TermExtensionAndPaymentDelayMember 2025-01-01 2025-09-30 0000798941 fcnca:OtherCombinationsMember 2025-01-01 2025-09-30 0000798941 fcnca:CommercialAndIndustrialLoanMember 2025-01-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000798941 us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000798941 us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-09-30 0000798941 fcnca:TermExtensionAndPaymentDelayMember 2024-01-01 2024-09-30 0000798941 fcnca:OtherCombinationsMember 2024-01-01 2024-09-30 0000798941 fcnca:InvestorDependentEarlyStageMember 2024-01-01 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:OwnerOccupiedCommercialMortgageMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:NonOwnerOccupiedCommercialMortgageMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:CommercialAndIndustrialLoanMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:InvestorDependentEarlyStageMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember fcnca:RevolvingMortgageMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2024-09-30 0000798941 us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000798941 us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-09-30 0000798941 us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-09-30 0000798941 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000798941 us-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember us-gaap:AssetPledgedAsCollateralMember fcnca:FHLBOfAtlantaMember 2025-09-30 0000798941 us-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember us-gaap:AssetPledgedAsCollateralMember fcnca:FHLBOfAtlantaMember 2024-12-31 0000798941 us-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember us-gaap:AssetPledgedAsCollateralMember fcnca:FederalReserveBankMember 2025-09-30 0000798941 us-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember us-gaap:AssetPledgedAsCollateralMember fcnca:FederalReserveBankMember 2024-12-31 0000798941 fcnca:FederalDepositInsuranceCorporationMember us-gaap:AssetPledgedAsCollateralMember 2025-09-30 0000798941 fcnca:FederalDepositInsuranceCorporationMember us-gaap:AssetPledgedAsCollateralMember 2024-12-31 0000798941 fcnca:FederalReserveBankOfRichmondMember fcnca:OtherSecuredDebtMember us-gaap:SecuredDebtMember 2025-09-30 0000798941 fcnca:FederalReserveBankOfRichmondMember fcnca:OtherSecuredDebtMember us-gaap:SecuredDebtMember 2024-12-31 0000798941 fcnca:PurchaseMoneyNoteMember 2025-03-27 2025-03-27 0000798941 us-gaap:CommercialPortfolioSegmentMember fcnca:FinancingReceivableLeasesMember 2025-07-01 2025-09-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2025-06-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2025-06-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2024-06-30 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2024-06-30 0000798941 us-gaap:CommercialPortfolioSegmentMember 2023-12-31 0000798941 us-gaap:ConsumerPortfolioSegmentMember 2023-12-31 0000798941 us-gaap:HurricaneMember 2025-01-01 2025-09-30 0000798941 srt:MaximumMember 2025-09-30 0000798941 srt:MinimumMember 2025-09-30 0000798941 fcnca:ExcessiveBuildingSpaceNoLongerUtilizingMember srt:MaximumMember 2025-09-30 0000798941 us-gaap:CoreDepositsMember 2024-12-31 0000798941 us-gaap:CoreDepositsMember 2025-01-01 2025-09-30 0000798941 us-gaap:CoreDepositsMember 2025-09-30 0000798941 fcnca:InvestmentInQualifiedAffordableHousingProjectsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-09-30 0000798941 fcnca:InvestmentInQualifiedAffordableHousingProjectsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-12-31 0000798941 fcnca:OtherTaxCreditEquityInvestmentMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-09-30 0000798941 fcnca:OtherTaxCreditEquityInvestmentMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-12-31 0000798941 fcnca:TaxCreditEquityInvestmentMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-09-30 0000798941 fcnca:TaxCreditEquityInvestmentMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-12-31 0000798941 fcnca:OtherUnconsolidatedInvestmentsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-09-30 0000798941 fcnca:OtherUnconsolidatedInvestmentsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-12-31 0000798941 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-09-30 0000798941 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-12-31 0000798941 fcnca:CommitmentsToTaxCreditInvestmentsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-09-30 0000798941 fcnca:CommitmentsToTaxCreditInvestmentsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-12-31 0000798941 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-07-01 2025-09-30 0000798941 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-07-01 2024-09-30 0000798941 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-01-01 2025-09-30 0000798941 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2024-01-01 2024-09-30 0000798941 us-gaap:SecuritiesAssetsMember us-gaap:AssetPledgedAsCollateralMember 2025-09-30 0000798941 us-gaap:SecuritiesAssetsMember us-gaap:AssetPledgedAsCollateralMember 2024-12-31 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt5.600Member us-gaap:SubordinatedDebtMember 2025-09-05 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSeniorNotesAt5.231Member us-gaap:SeniorNotesMember 2025-03-12 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt6.254Member us-gaap:SubordinatedDebtMember 2025-03-12 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSubordinatedNotesAt3375Member us-gaap:SubordinatedDebtMember 2025-06-15 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSeniorNotesAt5.231Member us-gaap:SeniorNotesMember 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSeniorNotesAt5.231Member us-gaap:SeniorNotesMember 2024-12-31 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSubordinatedNotesAt3375Member us-gaap:SubordinatedDebtMember 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSubordinatedNotesAt3375Member us-gaap:SubordinatedDebtMember 2024-12-31 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt5.600Member us-gaap:SubordinatedDebtMember 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt5.600Member us-gaap:SubordinatedDebtMember 2024-12-31 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt6.254Member us-gaap:SubordinatedDebtMember 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt6.254Member us-gaap:SubordinatedDebtMember 2024-12-31 0000798941 srt:SubsidiariesMember fcnca:FixedSeniorUnsecuredNotesAt6.000Member us-gaap:SeniorNotesMember 2025-09-30 0000798941 srt:SubsidiariesMember fcnca:FixedSeniorUnsecuredNotesAt6.000Member us-gaap:SeniorNotesMember 2024-12-31 0000798941 srt:SubsidiariesMember fcnca:FixedSubordinatedNotesAt6125Member us-gaap:SubordinatedDebtMember 2025-09-30 0000798941 srt:SubsidiariesMember fcnca:FixedSubordinatedNotesAt6125Member us-gaap:SubordinatedDebtMember 2024-12-31 0000798941 srt:SubsidiariesMember fcnca:PurchaseMoneyNoteToFDICFixedAt3.500Member us-gaap:SecuredDebtMember 2025-09-30 0000798941 srt:SubsidiariesMember fcnca:PurchaseMoneyNoteToFDICFixedAt3.500Member us-gaap:SecuredDebtMember 2024-12-31 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSeniorNotesAt5.231Member us-gaap:SeniorNotesMember 2025-01-01 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFloatingSubordinatedNotesAt3375Member us-gaap:SubordinatedDebtMember 2025-01-01 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt5.600Member us-gaap:SubordinatedDebtMember 2025-01-01 2025-09-30 0000798941 srt:ParentCompanyMember fcnca:FixedToFixedSubordinatedNotesAt6.254Member us-gaap:SubordinatedDebtMember 2025-01-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:LongTermDebtMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:LongTermDebtMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000798941 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000798941 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:LoansMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:LoansMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000798941 us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000798941 us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:NondesignatedMember 2024-12-31 0000798941 fcnca:ForeignExchangeSpotContractMember us-gaap:NondesignatedMember 2025-09-30 0000798941 fcnca:ForeignExchangeSpotContractMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-07-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-07-01 2024-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BorrowingsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-07-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BorrowingsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-07-01 2024-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BorrowingsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:BorrowingsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-07-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-07-01 2024-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-09-30 0000798941 us-gaap:LongTermDebtMember 2025-09-30 0000798941 us-gaap:LongTermDebtMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000798941 us-gaap:LongTermDebtMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:BankTimeDepositsMember 2025-09-30 0000798941 us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000798941 us-gaap:BankTimeDepositsMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:LongTermDebtMember 2024-12-31 0000798941 us-gaap:LongTermDebtMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:LongTermDebtMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:BankTimeDepositsMember 2024-12-31 0000798941 us-gaap:BankTimeDepositsMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:BankTimeDepositsMember us-gaap:NondesignatedMember 2024-12-31 0000798941 fcnca:AOCIAccumulatedGainLossNetCashFlowHedgeParentMember 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000798941 us-gaap:ForeignExchangeForwardMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000798941 us-gaap:ForeignExchangeForwardMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000798941 us-gaap:ForeignExchangeForwardMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000798941 us-gaap:ForeignExchangeForwardMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000798941 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000798941 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000798941 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000798941 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000798941 us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000798941 us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000798941 us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000798941 us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2025-09-30 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:InterestRateContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:ForeignExchangeContractMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2024-12-31 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 fcnca:OtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:FairValueMeasurementsRecurringMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 fcnca:InterestRateAndOtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 fcnca:InterestRateAndOtherDerivativeMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:DerivativeFinancialInstrumentsAssetsMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:DerivativeFinancialInstrumentsLiabilitiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0000798941 us-gaap:DerivativeFinancialInstrumentsAssetsMember us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0000798941 us-gaap:DerivativeFinancialInstrumentsLiabilitiesMember us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-01-01 2025-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsAssetsMember us-gaap:FairValueMeasurementsRecurringMember 2025-01-01 2025-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsLiabilitiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-01-01 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-01-01 2024-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsAssetsMember us-gaap:FairValueMeasurementsRecurringMember 2024-01-01 2024-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsLiabilitiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-01-01 2024-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsAssetsMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsLiabilitiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-09-30 0000798941 us-gaap:CorporateBondSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsAssetsMember us-gaap:FairValueMeasurementsRecurringMember 2024-09-30 0000798941 us-gaap:DerivativeFinancialInstrumentsLiabilitiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-09-30 0000798941 fcnca:ResidentialMortgateLoansHeldForSaleMember 2025-09-30 0000798941 fcnca:ResidentialMortgateLoansHeldForSaleMember 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:ChangeDuringPeriodFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:ChangeDuringPeriodFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2024-12-31 0000798941 srt:MinimumMember us-gaap:MeasurementInputDiscountRateMember 2025-09-30 0000798941 srt:MaximumMember us-gaap:MeasurementInputDiscountRateMember 2025-09-30 0000798941 us-gaap:MeasurementInputDiscountRateMember 2025-09-30 0000798941 us-gaap:MeasurementInputDiscountRateMember 2024-12-31 0000798941 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-09-30 0000798941 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember 2025-09-30 0000798941 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2024-12-31 0000798941 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000798941 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000798941 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:NondesignatedMember 2024-12-31 0000798941 us-gaap:CommonClassAMember 2025-06-30 0000798941 us-gaap:CommonClassBMember 2025-06-30 0000798941 us-gaap:SeriesAPreferredStockMember 2025-09-30 0000798941 us-gaap:SeriesBPreferredStockMember 2025-09-30 0000798941 us-gaap:SeriesCPreferredStockMember 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember 2024-12-31 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2024-12-31 0000798941 fcnca:AOCIAccumulatedDefinedBenefitPlansAdjustmentAttributableToParentMember 2025-09-30 0000798941 fcnca:AOCIAccumulatedDefinedBenefitPlansAdjustmentAttributableToParentMember 2024-12-31 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-12-31 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0000798941 fcnca:AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember 2025-01-01 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2025-01-01 2025-09-30 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-09-30 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-09-30 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember 2023-12-31 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2023-12-31 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2023-12-31 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2023-12-31 0000798941 fcnca:AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember 2024-01-01 2024-09-30 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2024-01-01 2024-09-30 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-09-30 0000798941 fcnca:AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember 2024-09-30 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2024-09-30 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-09-30 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-09-30 0000798941 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-07-01 2025-09-30 0000798941 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-07-01 2024-09-30 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2025-07-01 2025-09-30 0000798941 fcnca:AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember 2024-07-01 2024-09-30 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-07-01 2025-09-30 0000798941 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-07-01 2024-09-30 0000798941 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-09-30 0000798941 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-01-01 2024-09-30 0000798941 srt:MinimumMember fcnca:OperatingLeaseEquipmentMember 2025-09-30 0000798941 srt:MaximumMember fcnca:OperatingLeaseEquipmentMember 2025-09-30 0000798941 srt:MinimumMember fcnca:RailEquipmentMember 2025-09-30 0000798941 srt:MaximumMember fcnca:RailEquipmentMember 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:GeneralBankSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:CommercialBankSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:SVBCommercialSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:RailSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:CorporateNonSegmentMember 2025-07-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:GeneralBankSegmentMember 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:CommercialBankSegmentMember 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:SVBCommercialSegmentMember 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:RailSegmentMember 2025-09-30 0000798941 us-gaap:CorporateNonSegmentMember 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:GeneralBankSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:CommercialBankSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:SVBCommercialSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:RailSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:CorporateNonSegmentMember 2024-07-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:GeneralBankSegmentMember 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:CommercialBankSegmentMember 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:SVBCommercialSegmentMember 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:RailSegmentMember 2024-09-30 0000798941 us-gaap:CorporateNonSegmentMember 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:GeneralBankSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:CommercialBankSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:SVBCommercialSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:RailSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:CorporateNonSegmentMember 2025-01-01 2025-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:GeneralBankSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:CommercialBankSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:SVBCommercialSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:OperatingSegmentsMember fcnca:RailSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:CorporateNonSegmentMember 2024-01-01 2024-09-30 0000798941 us-gaap:UnfundedLoanCommitmentMember 2025-09-30 0000798941 us-gaap:UnfundedLoanCommitmentMember 2024-12-31 0000798941 us-gaap:StandbyLettersOfCreditMember 2025-09-30 0000798941 us-gaap:StandbyLettersOfCreditMember 2024-12-31 0000798941 fcnca:OtherLettersOfCreditMember 2025-09-30 0000798941 fcnca:OtherLettersOfCreditMember 2024-12-31 0000798941 fcnca:DeferredPurchaseAgreementsMember 2025-09-30 0000798941 fcnca:DeferredPurchaseAgreementsMember 2024-12-31 0000798941 fcnca:LessorCommitmentsMember 2025-09-30 0000798941 fcnca:LessorCommitmentsMember 2024-12-31 0000798941 fcnca:OffBalanceSheetCommitmentMember 2025-09-30 0000798941 fcnca:OffBalanceSheetCommitmentMember 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 September 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— 11,430,367 shares Class B Common Stock— 1,005,185 shares (Number of shares outstanding, by class, as of November 3, 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) 9 Notes to Unaudited Consolidated Financial Statements 11 Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 58 Item 3. Quantitative and Qualitative Disclosures about Market Risk 112 Item 4. Controls and Procedures 112 PART II—OTHER INFORMATION Item 1. Legal Proceedings 113 Item 1A. Risk Factors 113 Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 114 Item 5. Other Information 114 Item 6. Exhibits 115 Signatures 116 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 MSRs Mortgage Servicing Rights AOCI Accumulated Other Comprehensive Income NCCOB North Carolina Office of the Commissioner of Banks ASC Accounting Standards Codification NDFI Nondepository Financial Institution ASU Accounting Standards Update NII Net Interest Income BHC Bank Holding Company NII Sensitivity Net Interest Income Sensitivity bp or bps Basis point(s); 1 bp = 0.01% NIM Net Interest Margin CRA Community Reinvestment Act NPR Notice of Proposed Rulemaking CRE Commercial Real Estate OBBBA One Big Beautiful Bill Act DPA Deferred Purchase Agreement OREO Other Real Estate Owned DTAs Deferred Tax Assets PAA Purchase Accounting Accretion or Amortization ETR Effective Income Tax Rate PAM Proportional Amortization Method EVE Sensitivity Economic Value of Equity Sensitivity PCA Prompt Corrective Action FCB First-Citizens Bank & Trust Company PCD Purchased Credit Deteriorated FDIC Federal Deposit Insurance Corporation PD Probability of Obligor Default Federal Reserve Board of Governors of the Federal Reserve System PPNR Pre-provision net revenue FHLB Federal Home Loan Bank ROU Right of Use FOMC Federal Open Market Committee RWA Risk-weighted assets FRB Federal Reserve Bank SBA Small Business Administration GAAP United States Generally Accepted Accounting Principles SOFR Secured Overnight Financing Rate HPI Home Price Index SRP Share Repurchase Program HQLS High-Quality Liquid Securities SVB Silicon Valley Bank ISDA International Swaps and Derivatives Association SVBB Silicon Valley Bridge Bank, N.A. LGD Loss Given Default TMT Technology Media and Telecommunications LOCOM Lower of Cost or Fair Value UPB Unpaid Principal Balance MD&A Management’s Discussion and Analysis 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 September 30, 2025 December 31, 2024 Assets Cash and due from banks $ 874 $ 814 Interest-earning deposits at banks 24,798 21,364 Securities purchased under agreements to resell 83 158 Investment in marketable equity securities (cost of $ 78 at September 30, 2025 and $ 79 at December 31, 2024) 110 101 Investment securities available for sale (cost of $ 35,187 at September 30, 2025 and $ 34,512 at December 31, 2024) 34,963 33,750 Investment securities held to maturity (fair value of $ 8,838 at September 30, 2025 and $ 8,702 at December 31, 2024) 10,051 10,239 Assets held for sale 112 85 Loans and leases 144,758 140,221 Allowance for loan and lease losses ( 1,652 ) ( 1,676 ) Loans and leases, net of allowance for loan and lease losses 143,106 138,545 Operating lease equipment, net 9,446 9,323 Premises and equipment, net 2,283 2,006 Goodwill 346 346 Other intangible assets, net 208 249 Other assets 7,108 6,740 Total assets $ 233,488 $ 223,720 Liabilities Deposits: Noninterest-bearing $ 42,752 $ 38,633 Interest-bearing 120,438 116,596 Total deposits 163,190 155,229 Credit balances of factoring clients 1,326 1,016 Borrowings: Short-term borrowings 423 367 Long-term borrowings 38,252 36,684 Total borrowings 38,675 37,051 Other liabilities 8,311 8,196 Total liabilities 211,502 201,492 Stockholders’ equity Preferred stock - $ 0.01 par value ( 20,000,000 shares authorized at September 30, 2025 and December 31, 2024) 881 881 Common stock: Class A - $ 1 par value ( 32,000,000 shares authorized at September 30, 2025 and December 31, 2024; 11,613,444 and 12,712,436 shares issued and outstanding at September 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 September 30, 2025 and December 31, 2024) 1 1 Additional paid in capital 270 2,417 Retained earnings 20,866 19,361 Accumulated other comprehensive loss ( 44 ) ( 445 ) Total stockholders’ equity 21,986 22,228 Total liabilities and stockholders’ equity $ 233,488 $ 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 September 30, Nine Months Ended September 30, dollars in millions, except share and per share data 2025 2024 2025 2024 Interest income Interest and fees on loans $ 2,300 $ 2,430 $ 6,806 $ 7,206 Interest on investment securities 433 358 1,266 970 Interest on deposits at banks 265 350 766 1,176 Total interest income 2,998 3,138 8,838 9,352 Interest expense Deposits 911 1,004 2,698 2,907 Borrowings 353 338 1,048 1,011 Total interest expense 1,264 1,342 3,746 3,918 Net interest income 1,734 1,796 5,092 5,434 Provision for credit losses 191 117 460 276 Net interest income after provision for credit losses 1,543 1,679 4,632 5,158 Noninterest income Rental income on operating lease equipment 273 262 815 776 Lending-related fees 67 67 202 189 Deposit fees and service charges 61 57 178 172 Client investment fees 58 55 163 159 Wealth management services 57 54 168 157 International fees 34 29 99 86 Factoring commissions 18 19 53 55 Cardholder services, net 39 42 121 122 Merchant services, net 12 12 39 36 Insurance commissions 13 14 41 42 Realized gain on sale of investment securities, net — 4 — 4 Fair value adjustment on marketable equity securities, net 13 9 10 3 Gain on sale of leasing equipment, net 3 5 16 19 Loss on extinguishment of debt — — — ( 2 ) Other noninterest income 51 21 107 98 Total noninterest income 699 650 2,012 1,916 Noninterest expense Depreciation on operating lease equipment 98 99 296 293 Maintenance and other operating lease expenses 67 59 180 164 Personnel cost 817 788 2,445 2,277 Net occupancy expense 58 62 177 182 Equipment expense 137 128 404 368 Professional fees 26 42 81 91 Third-party processing fees 67 55 193 173 FDIC insurance expense 38 31 114 105 Marketing expense 33 20 97 52 Acquisition-related expenses 28 46 108 148 Intangible asset amortization 13 15 41 47 Other noninterest expense 109 111 348 318 Total noninterest expense 1,491 1,456 4,484 4,218 Income before income taxes 751 873 2,160 2,856 Income tax expense 183 234 534 779 Net income $ 568 $ 639 $ 1,626 $ 2,077 Preferred stock dividends 14 15 43 46 Net income available to common stockholders $ 554 $ 624 $ 1,583 $ 2,031 Earnings per common share Basic $ 43.08 $ 43.42 $ 119.70 $ 140.27 Diluted $ 43.08 $ 43.42 $ 119.70 $ 140.26 Weighted average common shares outstanding Basic 12,849,339 14,375,974 13,217,940 14,480,874 Diluted 12,849,339 14,375,974 13,217,940 14,481,919 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 September 30, Nine Months Ended September 30, dollars in millions 2025 2024 2025 2024 Net income $ 568 $ 639 $ 1,626 $ 2,077 Other comprehensive income, net of tax Net unrealized gain on securities available for sale 72 438 400 325 Net change in unrealized loss on securities available for sale transferred to securities held to maturity — 1 — 1 Net change in defined benefit pension items ( 1 ) — ( 4 ) ( 8 ) Net unrealized (loss) gain on cash flow hedge derivatives ( 1 ) 12 5 14 Other comprehensive income, net of tax $ 70 $ 451 $ 401 $ 332 Total comprehensive income $ 638 $ 1,090 $ 2,027 $ 2,409 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 June 30, 2025 $ 881 $ 12 $ 1 $ 1,179 $ 20,337 $ ( 114 ) $ 22,296 Net income — — — — 568 — 568 Other comprehensive income, net of tax — — — — — 70 70 Repurchased 457,350 shares of Class A common stock — — — ( 909 ) — — ( 909 ) Cash dividends declared ($ 1.95 per common share): Class A common stock — — — — ( 23 ) — ( 23 ) Class B common stock — — — — ( 2 ) — ( 2 ) Preferred stock dividends declared: Series A — — — — ( 5 ) — ( 5 ) Series B — — — — ( 7 ) — ( 7 ) Series C — — — — ( 2 ) — ( 2 ) Balance at September 30, 2025 $ 881 $ 12 $ 1 $ 270 $ 20,866 $ ( 44 ) $ 21,986 Balance at June 30, 2024 $ 881 $ 14 $ 1 $ 4,099 $ 18,102 $ ( 610 ) $ 22,487 Net income — — — — 639 — 639 Other comprehensive income, net of tax — — — — — 451 451 Stock based compensation — — — ( 4 ) — — ( 4 ) Repurchased 353,058 shares of Class A common stock — ( 1 ) — ( 706 ) — — ( 707 ) Cash dividends declared ($ 1.64 per common share): Class A common stock — — — — ( 21 ) — ( 21 ) Class B common stock — — — — ( 2 ) — ( 2 ) Preferred stock dividends declared: Series A — — — — ( 5 ) — ( 5 ) Series B — — — — ( 8 ) — ( 8 ) Series C — — — — ( 2 ) — ( 2 ) Balance at September 30, 2024 $ 881 $ 13 $ 1 $ 3,389 $ 18,703 $ ( 159 ) $ 22,828 7 Nine 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 — — — — 1,626 — 1,626 Other comprehensive income, net of tax — — — — — 401 401 Repurchased 1,098,992 shares of Class A common stock — ( 1 ) — ( 2,147 ) — — ( 2,148 ) Cash dividends declared ($ 5.85 per common share): Class A common stock — — — — ( 72 ) — ( 72 ) Class B common stock — — — — ( 6 ) — ( 6 ) Preferred stock dividends declared: Series A — — — — ( 14 ) — ( 14 ) Series B — — — — ( 21 ) — ( 21 ) Series C — — — — ( 8 ) — ( 8 ) Balance at September 30, 2025 $ 881 $ 12 $ 1 $ 270 $ 20,866 $ ( 44 ) $ 21,986 Balance at December 31, 2023 $ 881 $ 14 $ 1 $ 4,108 $ 16,742 $ ( 491 ) $ 21,255 Net income — — — — 2,077 — 2,077 Other comprehensive income, net of tax — — — — — 332 332 Stock based compensation — — — ( 13 ) — — ( 13 ) Repurchased 353,058 shares of Class A common stock — ( 1 ) — ( 706 ) — — ( 707 ) Cash dividends declared ($ 4.92 per common share): Class A common stock — — — — ( 65 ) — ( 65 ) Class B common stock — — — — ( 5 ) — ( 5 ) Preferred stock dividends declared: Series A — — — — ( 14 ) — ( 14 ) Series B — — — — ( 24 ) — ( 24 ) Series C — — — — ( 8 ) — ( 8 ) Balance at September 30, 2024 $ 881 $ 13 $ 1 $ 3,389 $ 18,703 $ ( 159 ) $ 22,828 See accompanying Notes to the Unaudited Consolidated Financial Statements. 8 First Citizens BancShares, Inc. and Subsidiaries Consolidated Statements of Cash Flows (Unaudited) Nine Months Ended September 30, dollars in millions 2025 2024 CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 1,626 $ 2,077 Adjustments to reconcile net income to cash provided by operating activities: Provision for credit losses 460 276 Deferred tax benefit ( 104 ) ( 127 ) Depreciation, amortization, and accretion, net 284 36 Realized gain on sale of investment securities, net — ( 4 ) Fair value adjustment on marketable equity securities, net ( 10 ) ( 3 ) Gain on sale of loans, net ( 12 ) ( 7 ) Gain on sale of operating lease equipment, net ( 16 ) ( 19 ) Loss on sale of premises and equipment, net — 1 Gain on other real estate owned, net ( 1 ) ( 6 ) Loss on extinguishment of debt — 2 Origination of loans held for sale ( 1,011 ) ( 799 ) Proceeds from sale of loans held for sale 1,137 867 Impairment of premises and equipment 5 — Net change in other assets ( 86 ) ( 169 ) Net change in other liabilities ( 345 ) ( 245 ) Other operating activities ( 54 ) ( 11 ) Net cash provided by operating activities 1,873 1,869 CASH FLOWS FROM INVESTING ACTIVITIES Net (increase) decrease in interest-earning deposits at banks ( 3,434 ) 7,969 Purchases of marketable equity securities — ( 6 ) Proceeds from sales of investments in marketable equity securities — 15 Purchases of investment securities available for sale ( 7,476 ) ( 13,339 ) Proceeds from maturities of investment securities available for sale 5,802 5,036 Proceeds from sales of investment securities available for sale 1,196 695 Purchases of investment securities held to maturity ( 389 ) ( 791 ) Proceeds from maturities of investment securities held to maturity 598 401 Net decrease in securities purchased under agreements to resell 75 18 Net increase in loans ( 4,987 ) ( 5,606 ) Proceeds from sales of loans 220 244 Net increase in credit balances of factoring clients 392 161 Purchases of operating lease equipment ( 522 ) ( 793 ) Proceeds from sales of operating lease equipment 195 149 Purchases of premises and equipment ( 467 ) ( 301 ) Proceeds from sales of other real estate owned 20 16 Other investing activities ( 463 ) ( 279 ) Net cash used in investing activities ( 9,240 ) ( 6,411 ) CASH FLOWS FROM FINANCING ACTIVITIES Net decrease in time deposits ( 2,178 ) ( 2,295 ) Net increase in demand and other interest-bearing deposits 10,312 8,063 Net increase (decrease) in securities sold under agreements to repurchase 56 ( 94 ) Repayment of long-term borrowings ( 355 ) ( 348 ) Proceeds from issuance of long-term borrowings 1,839 — Repurchase of Class A common stock ( 2,127 ) ( 700 ) Cash dividends paid ( 121 ) ( 116 ) Other financing activities 1 ( 14 ) Net cash provided by financing activities 7,427 4,496 Change in cash and due from banks 60 ( 46 ) Cash and due from banks at beginning of period 814 908 Cash and due from banks at end of period $ 874 $ 862 9 Nine Months Ended September 30, dollars in millions 2025 2024 SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION Cash paid during the period for: Interest $ 3,663 $ 4,005 Income taxes 289 754 Significant non-cash investing and financing activities: Transfers of loans to other real estate 55 1 Net settlement with FDIC for Purchase Money Note — 80 Transfer of assets from held for investment to held for sale 401 329 Transfer of assets from held for sale to held for investment 28 25 Commitments extended during the period on affordable housing investment credits 454 360 See accompanying Notes to the Unaudited Consolidated Financial Statements. 10 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. 11 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. • 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 nine months ended September 30, 2025. 12 NOTE 2 — BUSINESS COMBINATIONS Pending Branch Acquisition On October 16, 2025, FCB announced that it had entered into an agreement to consummate the acquisition of 138 branches from BMO Bank N.A. (“BMO Bank”) located throughout the Midwest, Great Plains and West regions of the U.S. (the “BMO Branch Acquisition”). In connection with the BMO Branch Acquisition, FCB expects to assume approximately $ 5.7 billion in deposit liabilities and acquire approximately $ 1.1 billion in loans. We expect the transaction to close in mid-2026, subject to customary closing terms and conditions and regulatory approvals. Completed Acquisition 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. 13 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 September 30, 2025 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 13,729 $ 54 $ ( 2 ) $ 13,781 Government agency 53 — ( 1 ) 52 Residential mortgage-backed securities 17,550 236 ( 351 ) 17,435 Commercial mortgage-backed securities 3,582 27 ( 181 ) 3,428 Corporate bonds 256 — ( 6 ) 250 Municipal bonds 17 — — 17 Total investment securities available for sale $ 35,187 $ 317 $ ( 541 ) $ 34,963 Investment in marketable equity securities $ 78 $ 33 $ ( 1 ) $ 110 Investment securities held to maturity U.S. Treasury $ 387 $ — $ ( 18 ) $ 369 Government agency 1,459 — ( 64 ) 1,395 Residential mortgage-backed securities 4,568 28 ( 513 ) 4,083 Commercial mortgage-backed securities 3,358 — ( 625 ) 2,733 Supranational securities 277 — ( 21 ) 256 Other 2 — — 2 Total investment securities held to maturity $ 10,051 $ 28 $ ( 1,241 ) $ 8,838 Total investment securities $ 45,316 $ 378 $ ( 1,783 ) $ 43,911 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. 14 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 September 30, 2025, accrued interest receivable for available for sale and held to maturity debt securities was $ 172 million and $ 19 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 nine months ended September 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 September 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 September 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 $ 9,276 $ 9,295 $ 5,090 $ 5,086 After one through five years 4,631 4,662 8,945 8,949 After five through 10 years 78 74 346 330 After 10 years 17 17 22 22 Government agency 53 52 79 77 Residential mortgage-backed securities 17,550 17,435 16,161 15,620 Commercial mortgage-backed securities 3,582 3,428 3,869 3,666 Total investment securities available for sale $ 35,187 $ 34,963 $ 34,512 $ 33,750 Investment securities held to maturity Non-amortizing securities maturing in: One year or less $ 505 $ 500 $ 429 $ 419 After one through five years 1,492 1,406 1,299 1,208 After five through 10 years 128 116 546 468 Residential mortgage-backed securities 4,568 4,083 4,558 3,878 Commercial mortgage-backed securities 3,358 2,733 3,407 2,729 Total investment securities held to maturity $ 10,051 $ 8,838 $ 10,239 $ 8,702 15 T he following table presents interest and dividend income on investment securities: Interest and Dividends on Investment Securities dollars in millions Three Months Ended September 30, Nine Months Ended September 30, 2025 2024 2025 2024 Interest income - taxable investment securities (1) $ 432 $ 357 $ 1,263 $ 967 Interest income - nontaxable investment securities 1 — 1 1 Dividend income - marketable equity securities — 1 2 2 Interest on investment securities $ 433 $ 358 $ 1,266 $ 970 (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 September 30, Nine Months Ended September 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 — 4 1 4 Realized gain on sale of investment securities, net $ — $ 4 $ — $ 4 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 September 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 $ 501 $ ( 1 ) $ 400 $ ( 1 ) $ 901 $ ( 2 ) Government agency — — 52 ( 1 ) 52 ( 1 ) Residential mortgage-backed securities 403 ( 1 ) 3,381 ( 350 ) 3,784 ( 351 ) Commercial mortgage-backed securities 96 — 1,175 ( 181 ) 1,271 ( 181 ) Corporate bonds 1 — 212 ( 6 ) 213 ( 6 ) Total $ 1,001 $ ( 2 ) $ 5,220 $ ( 539 ) $ 6,221 $ ( 541 ) 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 ) 16 As of September 30, 2025, there were 461 investment securities available for sale with continuous unrealized losses for more than 12 months, of which 427 were government sponsored enterprise-issued mortgage-backed securities, government agency securities, or U.S. Treasury securities and the remaining 34 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 September 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 September 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 and 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 September 30, 2025. There were no debt securities on nonaccrual status as of September 30, 2025 or December 31, 2024. Investment securities having an aggregate carrying value of $ 6.18 billion at September 30, 2025, and $ 3.94 billion at December 31, 2024, were pledged as collateral to secure public funds on deposit, the Purchase Money Note, 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”). 17 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 September 30, 2025 December 31, 2024 Commercial Commercial construction $ 5,926 $ 5,109 Owner occupied commercial mortgage 17,232 16,842 Non-owner occupied commercial mortgage 15,645 16,194 Commercial and industrial 41,172 40,737 Leases 2,066 2,014 Global fund banking 31,615 27,904 Investor dependent 2,772 3,193 Total commercial 116,428 111,993 Consumer Residential mortgage 23,036 23,152 Revolving mortgage 2,794 2,567 Consumer auto 1,463 1,523 Consumer other 1,037 986 Total consumer 28,330 28,228 Total loans and leases $ 144,758 $ 140,221 Refer to Note 1—Significant Accounting Policies and Basis of Presentation for discussion related to changes in loan classes. At September 30, 2025 and December 31, 2024, accrued interest receivable on loans included in other assets was $ 637 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 $ 71 million and $ 230 million for the three and nine months ended September 30, 2025, including $ 6 million and $ 17 million for unfunded commitments, respectively. Discount accretion income was $ 107 million and $ 415 million for the three and nine months ended September 30, 2024, including $ 16 million and $ 71 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 September 30, 2025 December 31, 2024 Deferred fees, including unamortized costs and unearned fees on non-PCD loans $ ( 89 ) $ ( 91 ) Net unamortized discount on acquired loans Non-PCD $ 1,339 $ 1,504 PCD 44 94 Total net unamortized discount $ 1,383 $ 1,598 18 The aging and nonaccrual status of the outstanding loans and leases by class at September 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 September 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 $ 8 $ 20 $ 19 $ 47 $ 5,870 $ 5,917 $ 9 $ 5,926 Owner occupied commercial mortgage 31 21 — 52 17,022 17,074 158 17,232 Non-owner occupied commercial mortgage 36 36 142 214 15,066 15,280 365 15,645 Commercial and industrial 253 53 40 346 40,250 40,596 576 41,172 Leases 30 7 — 37 2,004 2,041 25 2,066 Global fund banking — — — — 31,615 31,615 — 31,615 Investor dependent 2 1 — 3 2,708 2,711 61 2,772 Total commercial 360 138 201 699 114,535 115,234 1,194 116,428 Consumer Residential mortgage 116 36 6 158 22,708 22,866 170 23,036 Revolving mortgage 16 3 — 19 2,742 2,761 33 2,794 Consumer auto 10 2 — 12 1,443 1,455 8 1,463 Consumer other 4 3 2 9 1,027 1,036 1 1,037 Total consumer 146 44 8 198 27,920 28,118 212 28,330 Total loans and leases $ 506 $ 182 $ 209 $ 897 $ 142,455 $ 143,352 $ 1,406 $ 144,758 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 $ 14 million for the nine months ended September 30, 2025 and $ 14 million for the year ended December 31, 2024. (2) Nonaccrual loans for which there was no related ALLL totaled $ 411 million at September 30, 2025 and $ 303 million at December 31, 2024. Other real estate owned (“OREO”) and repossessed assets were $ 98 million as of September 30, 2025 and $ 64 million as of December 31, 2024. 19 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 September 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. 20 Commercial Loans - Risk Classifications by Class September 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 $ 1,488 $ 1,672 $ 1,453 $ 590 $ 84 $ 79 $ 362 $ — $ 5,728 Special Mention 7 4 56 — — — — — 67 Substandard 5 15 4 85 15 4 — — 128 Doubtful 3 — — — — — — — 3 Ungraded — — — — — — — — — Total commercial construction 1,503 1,691 1,513 675 99 83 362 — 5,926 Owner occupied commercial mortgage Pass 1,806 2,703 2,345 2,463 2,355 4,253 215 28 16,168 Special Mention 47 32 47 106 40 51 2 — 325 Substandard 39 59 115 187 94 221 9 1 725 Doubtful — 4 10 — — — — — 14 Ungraded — — — — — — — — — Total owner occupied commercial mortgage 1,892 2,798 2,517 2,756 2,489 4,525 226 29 17,232 Non-owner occupied commercial mortgage Pass 1,977 2,606 3,235 2,241 1,375 2,575 93 3 14,105 Special Mention 128 53 114 51 1 24 — — 371 Substandard 354 243 141 107 35 199 1 — 1,080 Doubtful 42 21 — 15 — 11 — — 89 Ungraded — — — — — — — — — Total non-owner occupied commercial mortgage 2,501 2,923 3,490 2,414 1,411 2,809 94 3 15,645 Commercial and industrial Pass 9,018 8,274 4,151 3,307 1,717 1,803 9,082 75 37,427 Special Mention 188 234 105 122 193 47 116 — 1,005 Substandard 410 207 387 454 316 58 502 4 2,338 Doubtful 10 11 31 80 10 1 108 — 251 Ungraded — — — — — — 151 — 151 Total commercial and industrial 9,626 8,726 4,674 3,963 2,236 1,909 9,959 79 41,172 Leases Pass 620 591 375 179 79 62 — — 1,906 Special Mention 14 16 13 20 2 — — — 65 Substandard 19 22 19 9 7 10 — — 86 Doubtful 2 2 2 2 1 — — — 9 Ungraded — — — — — — — — — Total leases 655 631 409 210 89 72 — — 2,066 Global fund banking Pass 983 778 57 104 11 16 29,516 148 31,613 Special Mention — 1 — — — — — — 1 Substandard — — — — — — 1 — 1 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total global fund banking 983 779 57 104 11 16 29,517 148 31,615 Investor dependent Pass 798 776 183 108 — — 290 — 2,155 Special Mention 1 48 7 5 — — 1 — 62 Substandard 65 190 140 46 7 — 47 — 495 Doubtful 10 24 16 6 — — 4 — 60 Ungraded — — — — — — — — — Total investor dependent 874 1,038 346 165 7 — 342 — 2,772 Total commercial $ 18,034 $ 18,586 $ 13,006 $ 10,287 $ 6,342 $ 9,414 $ 40,500 $ 259 $ 116,428 21 Consumer Loans - Delinquency Status by Class