FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) Form 8-K — Oct 23, 2026
$FCNCAForm 8-KItems 2.02, 7.01, 8.01, 9.01Filed Oct 23, 2026, 6:31 AM ET0000798941-26-000041Original filing
First Citizens BancShares reported Q3 2026 net income of $606 million, or $51.23 per share ($55.37 adjusted), down from $672 million and $55.52 per share in the linked quarter.
Key figures
- Eps
- $51.23 (GAAP diluted); adjusted EPS $55.37
- Revenue
- $2,433 million net revenue (net interest income $1,699 million plus noninterest income $734 million)
- Net Income
- $606 million (vs $672 million linked quarter)
- Total Debt
- Total borrowings of $24.47 billion; Purchase Money Note at $20.45 billion
- Total Assets
- $241,182 million
- Cash Position
- Liquid assets of $57.33 billion
- Shares Outstanding
- 11111579
- Deposits
- $185.26 billion (+$11.84 billion, +6.8% QoQ)
- Cet1 ratio
- 10.24%
- Adjusted roa
- 1.08%
- Adjusted roe
- 12.24%
- Q3 repurchases
- $600 million (278,828 shares)
- Net charge offs
- $103 million (0.27% of average loans)
- Cost of deposits
- 2.16%
- Loans and leases
- $157.19 billion (+$6.16 billion, +4.1% QoQ)
- Bmo loans acquired
- $650 million
- Dividend per share
- $2.10
- Net interest income
- $1,699 million
- Net interest margin
- 3.07%
- Tier1 capital ratio
- 11.32%
- Bmo deposits assumed
- $4.9 billion
- Adjusted efficiency ratio
- 59.59%
- Provision for credit losses
- $55 million
- Repurchase authorization 2027
- $1.2 billion
- Total risk based capital ratio
- 12.90%
- Purchase money note prepayment q3
- $8.00 billion
AI analysis
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